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.

 

Some Good Tailor made Health Insurance plan covers the following:

  • Covers Pre Existing disease*

  • Covers Maternity*

  • Coverage for members' up to 80years of age*

  • No health Check up required*

  • Ambulance Charges*

  • Cashless facility*

  • Family Floater Policy*

  • Tax Benefit*

  • Pre and post Hospitalization Expenses*

  • Automatic baby coverage*

 

 

Q: Why do we need health Insurance?

Q: Why Health Insurance must?

Q: What Are the Health insurance Benefit?

Q: What is the procedure for availing cashless facility?

Q: What are the documents required for filling a claim?

 

Why do we need Health Insurance?

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. With the escalating medical costs the charges 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.

 

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.

 

Why health insurance must?

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.

What are Health Insurance Benefits?

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. 15,000 from taxable income for payment of Health Insurance premium for self and dependants.

For senior citizens, this deduction is Rs. 20,000. Please note that you will have to show the proof for payment of premium. (Section 80D benefit is different from the Rs 1, 00,000 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.

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.

 

 

What is the procedure for availing cashless facility?

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.

 


What are the documents required for filing a claim?

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


 

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