M3 Insurance
What is M3 Insurance?
Covers your personal financial losses when you or your family is faced with a health condition or medical emergency. We work towards creating a secure, stress-free environment so you can focus on growth & expansion. Our parent company, Kataria Insurance, is a Government authorised agent under IRDA, specialising exclusively in Gems and Jewellery Insurance for over 25 years. We are one of the largest retail insurance Agent in India with presence in over 300 cities. Our nationwide chain of offices is staffed with experienced team, providing you round-the-clock assistance with insurance & claims.
Features

Hospitalisation
Covers for hospitalisation expenses due to an Illness, Accident, or Critical Illness up to your sum insured

Day Care Procedures
This covers medical treatments that require less than 24 hours like a kidney stone, dialysis, piles, sinus, cataract.

Pre and Post Hospitalisation Charges
Doctor’s consultation bills, pathology bills and medicines pharmacy bills, 30 days before and 60 days after the hospitalizations are included.

Auto Recharge Facility
If your sum insured gets exhausted during the policy period , your policy will get automatic recharge up to 100% of the sum insured within your policy period.

Room Rent
Covers for room rent charges and nursing charges

Free Health Check-up
2 family members for the policy holder will get a free health checkup.

Ayush Treatment
Coverage for expenses of Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy treatment only when it has been undergone in an AYUSH hospital or in AYUSH Day Care Center on a reimbursement basis

No Room Rent Capping
Choose any hospital room you want during your treatment i.e. there is no maximum room rent limit. This also covers the ICU (if needed) as long as your total claim amount is up to your sum insured.

Ambulance Charges
Up to ₹ 10,000/- covered under road ambulance charges for hospitalisation per event.

Donor and organ transplant
The hospitalisation charges of an organ donor and the expenses incurred for organ transplant surgery are covered

No Claim Bonus
An increase in the base sum insured is awarded anywhere between 10% to 50% for every claim free year

Domiciliary Hospitalisation
Coverage for patients who cannot be admitted to a hospital for treatment due to physical ailments or unavailability of room in a hospital.

Higher Sum Insured
The sum insured as high as ₹ 3 Crs can be availed for health diagnostics both in India & internationally

International Coverage
Your mediclaim covers the health diagnostic expenses both in India and if required internationally.

Guaranteed Bonus
You get guaranteed bonus even though you avail any claim.

Lifetime Renewal
Avail the benefit of renewing your Mediclaim Insurance policy for lifetime
FAQs
The Capping is various types limits set by insurance company for specific disease and room rent
NCB is called No Claim Bonus. If in between the policy term no claim is taken, then the client gets an additional sum assured in the policy during renewal
Medical expenses for delivery of the baby. (Waiting period applicable), (capping applicable) is covered but varies from insurer to insurer.
Age of Proposer/ Spouse/ Dependent Parents should be
between 18 – 80 years. A child from 3 months to 25 years can
be covered under a dependent
We have a dedicated Claim Team at M3. You simply have to request a claim, the rest will be taken care of by us.