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Direct Health Insurance | Mahalaxmi Underwritten

Comprehensive
Emergency Health Shield.

Protecting Nepali citizens against sudden medical emergencies across India. Access immediate hospital cash, up to ₹50,000 emergency medical assistance, and 24/7 care support.

emergency

All-India Emergency Support

Emergency hospitalization support in Delhi, Mumbai, Bengaluru, and across North/East India.

payments

Up to ₹50,000 Direct Relief

Instant financial relief for inpatient admission, diagnostic bills, and essential treatments.

Mahalaxmi Insurance
Direct Health Plan

Emergency Care Shield

₹2,500 / One-time Annual
  • check_circle Up to ₹50,000 Emergency Fund Access
  • check_circle Direct Underwriting by Mahalaxmi Insurance
  • check_circle India-Wide Emergency Care Assistance
  • check_circle Daily Inpatient Cash Allowance
  • check_circle 24/7 Priority Emergency Helpline Desk
🪔 Shubh Deepawali Maha Dhamaka 2026

Spin & Win an Apple iPhone 14, Free Mobile Recharge, or 1 Month Free Installment!

Protect your family's health this festive season. Every health cover activation entitles you to 1 FREE Lucky Spin on our festive wheel immediately upon completing payment.

📱
Grand Jackpot
Apple iPhone 14

128GB Midnight Edition

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Instant Perk
1 Mo. Free Recharge

Jio/Airtel/Vi/Ncell/NTC

💰
Cashback
1 Mo. Installment Free

100% Premium Refund

How It Works

Pay & Unlock Spin

Complete payment to be automatically redirected to your lucky spin turn.

Proceed to Payment arrow_forward
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Clinical Underwriting

Inpatient Hospitalization & Treatment Scope

Exhaustive clinical parameters covering room rent, ICU admissions, 580+ daycare procedures, advanced robotic surgeries, and pre/post-hospitalization medical bills.

medical_services Standard Hospitalization Benefit Schedule (Form ML-HLT-2026)

Conforms to IRDAI Guidelines on Standardization of Medical Terms & Daycare Surgeries

No Disease Sub-Limits
Clinical Coverage Head Basic Health Cover (₹1,000/mo) Silver Health (₹1,500/mo) Gold Health (₹2,000/mo) Platinum Comprehensive (₹2,500/mo)
bed Room Category / Rent Shared Twin Sharing Single Private Room Single Private A/C Room Deluxe Suite (No Capping)
monitor_heart ICU / ICCU Charges Up to ₹5,000 / day Up to ₹10,000 / day No Sub-Limits (100% Actuals) No Sub-Limits (100% Actuals)
calendar_month Pre-Hospitalization 30 Days Prior 60 Days Prior 60 Days Prior 90 Days Prior
event_repeat Post-Hospitalization 60 Days Post 90 Days Post 90 Days Post 180 Days Post
healing Day Care Surgeries 150+ Listed Surgeries 350+ Surgeries 580+ Advanced Surgeries All Day Care Procedures
ambulance Road Ambulance Cover Up to ₹1,500 / event Up to ₹2,500 / event Up to ₹5,000 / event Actuals + Air Ambulance ₹2.5L
precision_manufacturing Modern Robotic Treatments Not Covered Up to 50% Sum Insured 100% Covered (No Sub-Limit) 100% Covered (No Sub-Limit)
Pan-India TPA Network

14,200+ Cashless Hospitals with 2-Hour Pre-Auth SLA

Never worry about hospital deposits during family emergencies. Walk into any empaneled hospital, show your Mahalaxmi Health Card or digital policy PDF, and our dedicated TPA desk handles admission and bill clearance directly.

speed
2-Hour Cashless Pre-Authorization: Electronic authorization directly to hospital TPA desk upon submitting physician admission note.
location_city
Dedicated Indo-Nepal Border Transit Hospitals: Special cashless empanelment in Gorakhpur, Siliguri, Raxaul, Lucknow, Varanasi, Patna, and New Delhi.
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Zero Out-of-Pocket Admission: We settle hospital room, ICU, surgeon fees, medicines, and consumables directly with zero upfront cash.

Premier Empaneled Hospital Networks

100% Cashless
Apollo Hospitals
73+ Hospitals Nationwide
Fortis Healthcare
28+ Centers in North India
Max Healthcare
Delhi NCR, Dehradun, Mohali
Medanta The Medicity
Gurugram, Lucknow, Patna
Narayana Health
Bengaluru, Kolkata, Delhi
Manipal Hospitals
Pan-India Tertiary Care
Need immediate hospital admission? Call our 24/7 TPA Emergency Authorization Desk directly
Call Emergency Desk
Regulatory Transparency

Waiting Periods & Actuarial Exclusions

We believe in 100% upfront transparency. Understand precisely when your coverage takes effect for specific medical conditions.

30d

Initial Waiting Period

First 30 Days from Policy Date

No claims for illness or infections are admissible during the first 30 days of policy inception.

check_circle Waived immediately for accidental emergency injury!
24m

Specific Named Ailments

24 Months Continuous Coverage

Standard surgeries including Cataract, Hernia, Hydrocele, Kidney/Gallbladder Stones, Hysterectomy, Piles, Sinusitis, and Joint Replacements are covered after 2 continuous policy years.

36m

Pre-Existing Diseases (PED)

36 Months Continuous Coverage

Conditions diagnosed or treated prior to policy commencement (e.g., Hypertension, Diabetes mellitus, Asthma) become fully claimable after 36 months of uninterrupted policy renewals.

info Standard Statutory Permanent Exclusions

Under statutory guidelines, treatments arising from self-inflicted injuries or attempted suicide, substance and alcohol addiction rehab, cosmetic surgeries (unless reconstructive post-accident), experimental or unproven therapies, and active participation in criminal acts or military hostilities are permanently excluded from reimbursement.