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Health insurance and mediclaim are both types of insurance policies that provide financial protection against medical expenses. However, there are some differences between the two, such as:

• Coverage: A wider variety of medical costs, such as hospitalization, physician fees, diagnostic procedures, and prescription drugs, are covered by health insurance. On the other hand, mediclaim often solely covers hospitalization costs, such as room and board, physician fees, and operating room costs.
• Sum insured: Compared to mediclaim policies, health insurance policies typically have higher sum insured options. This indicates that health insurance policies often have higher maximums for the amount of coverage that can be accessed.
• Pre-existing conditions: Health insurance policies may cover pre-existing conditions, but often with a waiting period. Mediclaim policies typically do not cover pre-existing conditions.
• Claim settlement process: Health insurance policies cover a wider variety of medical expenses, the claim settlement process can be more involved and time-consuming. Due to the fact that mediclaim plans only cover hospitalization costs, the claim settlement process is easier and quicker.
• Premiums: Health insurance premiums are typically higher than mediclaim premiums, as they provide broader coverage.

In conclusion, health insurance offers more comprehensive coverage for a larger range of medical costs, whereas mediclaim policies only cover hospitalization costs. Although there may be a waiting period for pre-existing diseases, health insurance policies often offer larger sum covered alternatives. In comparison to mediclaim plans, the claim settlement process for health insurance policies can be more complicated, and the premiums are costlier.