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About Health Insurance

Why get covered?

You insure your home, your car, your bike - isn't your health important too?
Highlights:

  • Peace of mind cover for you and your family.
  • Get the treatment you need, when you need it.
  • Treatment at the best hospitals.

Key Features Of Health Plans

Here are the special elements of our medical insurance plan:

  • Inpatient Treatment
  • Cover for Domiciliary hospitalization
  • Cashless hospitalization
  • Reload/ Recharge benefit
  • Cover for Day-care procedures
  • Pre and post hospitalization expenses
  • Unlimited room rent (on selected health plans)
  • Maternity coverage
  • AYUSH coverage
  • Lifetime renewals
  • Free health check-up
  • Tax benefit under section 80 (D)

Add-on Covers

Extensions are available to cover Critical illness, OPD, International treatment, Maternity.You can also buy Top-up health insurance that complements a standard health insurance plan

Today health is not just an old age issue. Misfortunes also never announce their arrivals. With our new age lifestyles, our susceptibility to risks has increased more than ever. Some of these risks can often bring in unforeseen hospitalization causing a financial burden on you and your family.

Life is a surprise package of joys, happiness, challenges and setbacks. Sudden illness, accidental injuries and medical emergencies can throw us off guard anytime. While they drain us emotionally, owing to the soaring prices of medical services, the hospitalization and medicinal expenses can burn a big hole in your pocket. A good health insurance policy is mandatory to combat these tough times as it covers you and your loved ones completely against sudden financial burden caused by medical emergencies. Having a good health insurance plan ensures an immense peace of mind and assurance that you can focus on the healing and recuperation of your loved ones, instead of financial worries.

There are many advantages of getting a health insurance plans. It has to be understood that the cost of the health insurance policy is remarkably less as compared with the massive amount that has to be incurred in times of any major mishaps.

In India, only a select few can afford to pay the complete amount instantly even if they are not insured with any health care policy. They may also ultimately face a financial crunch. Middle class families and lower middle class families are all the more struck financially when they encounter sudden hospitalization and unforeseen medical expenses. Hence for all sections of the society health insurance is a must.

As per a survey, less than 10% of the population of India has the ability to pay Rs. 5 lakh or less in case of a surgical emergency. Mediclaim is the best answer in such a situation. With a Mediclaim, an individual or a family can lead a stress-free and worry-free life and any inconveniences related to health will be taken care of by the insurer.

A good health insurance plan covers the following:

Hospitalization cover:
This ensures that expenses on hospitalization are covered by the insurance company. The medical expense may include room charges, expenses on surgery, medicines, Doctor’s fees, Diagnostic charges, Nursing charges, Surgeon, Anesthetist , consultant and Specialist fees, Blood , oxygen , OT charges , Surgical Appliances, Medicines and Drugs, Diagnostic Materials , X ray etc. and other tests.

Cashless claims:
Most insurance companies provide cashless claims where the medical expenses are directly settled between the hospital and the insurance company

Tax benefits:
Tax benefit available under Section 80D of the income tax act 1961. Every tax payer can avail an annual deduction of Rs. 25,000 from taxable income for payment of Health Insurance premium for self and dependants.

For senior citizens, this deduction is Rs. 30,000. Please note that you will have to show the proof for payment of premium. (Section 80D benefit is different from the Rs 1,50,000 deductions under Section 80 C)

Pre & Post-hospitalization expenses:
Another benefit of health insurance is that the insurance company also covers the expenses for treatments received prior to hospitalization and during the recovery period and this is very helpful for the insured person as he might not have an alternate source of income during those trying times.

Ambulance charges :
In case of any medical emergency, ambulance charges as listed in the policy shall be payable

Cumulative Bonus :
If no claims are made on your health cover in a particular year, you will be entitled for special benefits through an increment in the sum insured when you renew the policy the following year.

Free medical check up :
A history of no claims is rewarded with a free medical check up.

Floater plans: :
Floater plans imply the health insurance that covers the entire family under one policy. The floater plan allows the coverage of the medical insurance policy to be shared among the family members.

This is precisely why health insurance has become necessary in this fast paced modern world. Health care has also become very expensive. It is very important to procure a health insurance plan and maintain it regularly.

In case of planned hospitalization, Health insurance requires the first prescription with the details of the case history and indicating following details:

  • The provisional diagnosis or the reason for getting admitted.
  • The proposed date of admission
  • The approximate expenses
  • Name of the hospital and consultants
  • Approximate duration of stay at the hospital
  • Attach a doctor's prescription to the admission note.

The following documents are required for filing a claim:-

  • Duly completed claim form
  • Original bills, receipts and discharge certificate/ card from the hospital
  • Original bills from chemists supported by proper prescription
  • Receipt and pathological test reports from a pathologist supported by the note from attending Medical practitioner / surgeon prescribing the test. Nature of operation performed and surgeon’s bill and receipt
  • Policy copy
  • Insurance card copy
  • ID Proof Copy
  • Cancel Cheque

Health Insurance Companies

  • Royal Sundaram General Ins. Co. Ltd.
  • United India Insurance
  • Star Health Ins. Co. Ltd.
  • Iffco Tokio Gen. Ins.
  • Cholamandalam MS Gen. Ins
  • Religare Health Ins. Co. Ltd.
  • Bajaj Allianz Gen. ins.