What is covered under a GMC policy?

What is covered under a GMC policy?

A Group Mediclaim policy may cover all or few of the following costs:

  1. Hospitalization Costs - If an individual is admitted for a stay of more than 24 hours, hospitalization costs are reimbursed.
  2. Pre and Post-Hospitalization Charges - This category includes costs incurred both before and after a patient is admitted to the hospital, such as X-rays, medical reports, and medication costs.
  3. Pre-Existing Diseases - This provides immediate coverage for pre-existing conditions including diabetes, hypertension, etc. *
  4. Critical Illness Coverage - The policy may provide coverage for critical illnesses including cancer, cardiovascular conditions, etc. 
  5. Maternity and expenses related to a newborn baby. *
  6. Other Add-Ons Available: For a modest additional fee, GMC covers may also offer the option to select add-on covers. Maternity coverage, personal accident coverage, or AYUSH therapy are examples of popular add-ons.*
  7. Other Benefits - Daycare procedures and outpatient medical treatments are frequently covered by a GMC.*

*It is important to check the policy carefully to understand the specific coverage provided for maternity under the policy.

If you require any help or further assistance, kindly reach out to us at care@nova-benefits.com or 04049174207.

    • Related Articles

    • What is a GMC Policy?

      A Group Mediclaim (GMC) policy is a type of health insurance policy that is purchased by an employer or organization for its employees or members. These policies typically provide coverage for medical expenses, such as hospitalization and surgical ...

    • What is not covered under my policy?

      An Health Insurance's terms & conditions varies from employee-to-employee. While raising a claim, it's crucial to understand what is covered under one's policy to avoid unnecessary expenses from the insured's end. To find out what is not covered ...

    • I want to know the beneficiary details under my Insurance Policy

      The details of the persons covered by your Insurance Policy will be available in the Nova Portal: You will find your Health Insurance Tab on your profile home page right when you log in. Click on the tab to view in detail. The page will give you the ...

    • How can I find my policy document?

      To find out what is covered under your insurance policy, click on "view details" under the health insurance tab on the homepage. After opening the health insurance tab, scroll the page a bit and in the end, you can see a "view policy document" ...

    • Does my GMC policy cover pre-existing diseases?

      Pre-existing conditions are those that you already have while purchasing (and occasionally even before) an insurance coverage. They already exist, as their name implies, before you pay the insurance premium. According to the severity, if you've ...