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Difference between Mediclaim and Health Insurance

Difference between Health Insurance and Mediclaim


Health Insurance

Mediclaim gives coverage against only hospitalization expenses; i.e you can only claim for this if you’re hospitalized only.

Health insurance offers a comprehensive cover that extends further than just hospitalization expenses. Some of these expenses include annual health checkups, daily hospital cash, OPD expenses, and alternative treatments AYUSH, among others.

There are no add-on covers with Mediclaim.

There are numerous add-ons covers such as Critical Illness Cover, Maternity Benefit and Infertility Cover, etc.

The hospitalization cover in Mediclaim is limited and does not exceed Rs 5 lakh.

The health insurance cover is extensive and is decided based on age, city, number of members in a single plan, etc.

Mediclaim is not flexible.

Health Insurance plans are flexible and can be customized too.

Benefits of Mediclaim & Health Insurance