Age Shield Rider

The plan offers flexible coverage starting from ₹5 lakhs and extending up to ₹5 crores, across multiple slabs. This wide range ensures suitability for individuals, nuclear families, and large family units seeking higher protection.

Indian residents can purchase MHCP EDGE+. Non‑resident Indians (NRIs) and Overseas Citizens of India (OCI) are also eligible, subject to documentation and conditions under riders like NRInsure.

Adults can enroll from 18 years onwards, while children are eligible from 3 months of age. The plan supports lifetime renewability with no upper age limit.

Yes, the family floater option covers the proposer, spouse, and dependent children. Extended family members can be included under individual cover, as per policy definitions.

Pre‑existing diseases are covered after a waiting period of up to 36 months, depending on plan rules and chosen options.

Yes, MHCP EDGE+ offers flexibility riders that allow reduction of waiting periods, enabling quicker access to coverage for pre‑existing conditions.

There is an initial waiting period of 30 days for illnesses. Accidents are covered immediately without any waiting period.

Yes, MHCP EDGE+ includes coverage for robotic surgeries and advanced modern treatment methods, subject to policy terms.

Yes, domiciliary hospitalisation is covered when hospitalisation is medically necessary but not possible due to the unavailability of hospital beds or other valid reasons.

Yes, donor harvesting expenses are covered when the insured is the recipient of the organ transplant.

No, cosmetic or elective procedures are excluded from coverage under MHCP EDGE+.

Consumables are not covered under the base plan. However, riders such as Consumables Plus provide expanded consumables coverage.

The Global Cover rider provides worldwide coverage for both planned and emergency treatments, subject to conditions and co‑pay requirements.

Emergency Global Cover supports urgent hospitalisation abroad, while Planned Global Cover allows scheduled treatment overseas, both subject to rider rules and co‑pay.

Yes, international claims under Global Cover require a mandatory co‑pay. The percentage depends on the rider option selected at purchase.

Present your health card at the network hospital. The hospital will send a pre‑authorisation request to the insurer, and once approved, the bills will be settled directly without upfront payment.

You need hospital bills, discharge summary, prescriptions, diagnostic reports, and payment receipts. These documents must be submitted to the insurer within the specified time frame for claim processing.

Cashless claims are usually approved within hours, while reimbursement claims are settled within 7–15 working days after submission of complete documentation. However, this is subject to the terms and conditions of the insurance provider.

You must notify the insurer within 24 hours of emergency hospitalisation to ensure smooth claim processing and approval.

Yes, pre‑hospitalisation expenses (up to 60 days before admission) and post‑hospitalisation expenses (up to 90 days after discharge) can be claimed separately, subject to policy terms.

You can check the insurer’s official website, mobile app, or customer helpline to locate the nearest empanelled network hospital for cashless treatment.

If a cashless claim is rejected, you can still file a reimbursement claim by submitting all required documents to the insurer after discharge.

Yes, coverage includes a single private A/C room. ICU charges are covered as per policy terms, but higher room categories may attract proportionate deductions.

Claims under the Global Cover rider are settled as per international treatment rules, with a mandatory co‑pay applicable. Planned and emergency treatments abroad follow specific rider conditions.

Premiums may increase based on underwriting after a claim. However, if you have the Age Shield rider, your premium remains locked at the entry age until a claim is made.

Yes, you can port your existing health insurance policy to MHCP EDGE+ under IRDAI portability guidelines, subject to underwriting and continuity of benefits.

Yes, MHCP EDGE+ offers attractive discounts for long‑term tenures of 3 or 5 years, making coverage more affordable over time.

The Cumulative Bonus reduces proportionately after a claim but is not lost entirely, ensuring continued benefit growth in future years.

Yes, you can upgrade your sum insured at renewal. Waiting periods will apply only to the enhanced portion, not to the existing coverage.

A grace period of 30 days is provided to renew an expired policy. Coverage benefits resume once renewal is completed within this timeframe.

Yes, new family members can be added at renewal, subject to underwriting and documentation requirements.

Yes, the Age Shield benefit continues seamlessly if renewal is done without a break in coverage.

Renewal discounts include family, loyalty, wellness‑linked, and long‑term tenure benefits, helping reduce premium costs while maintaining comprehensive protection.