A mediclaim policy is a type of cover that helps you manage hospital bills when you are admitted for treatment due to an illness or an accident. People often use “mediclaim” as a general term, but it usually points to hospital-focused coverage that supports inpatient expenses, up to the sum insured and as per policy terms.

If you want to buy health insurance, knowing the basics of what gets covered, what gets limited, and how claims work can reduce confusion later. It also helps you compare plans on the points that matter, not just on price.