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Do You Know About These Special Features of Super Top Up Health Insurance?...

Your family is your pillar of strength, and by getting a health cover, you ensure its well-being. But, think for a moment about the rising medical treatment costs. Do you think your existing health insurance would be adequate to cover you in any situation? You do not need to depend on your savings then; instead, you can opt for top-up or super top up health insurance plans that give you additional health coverage above a threshold limit known as deductible. While top-up plans will cover single hospitalization, super top-up plans are beneficial as they cover multiple claims in a policy year. If you wish to increase coverage of your existing health plan, super top-up plans are the best option as they are affordable, compared to paying a higher premium for your existing policy. Let us understand some of the main features of super top up health insurance plans. 1. Deductible One of the vital features of super top up medical insurance plans is that they are based on the principle of the health insurance deductible. It is the claim amount that an insured has to bear, and it would apply on an aggregate basis in a policy year. The policy will offer cover only if the cumulative hospital expenses exceed the deductible. What is important to note here is that the deductible has to be paid only once. 2. Hospitalization Cover A super top up health insurance will save your family from facing financial difficulty due to a medical exigency. The policyholder will get cover for hospitalization-related expenses, including room rent, nursing charges, ICU charges, and doctor’s fees. Also, it will cover day care treatment and advanced medical procedures, such as robotic surgeries. 3. Pre and Post Hospitalization Cover You will also be covered for those expenses that are not limited to hospitalization. That includes diagnostic tests, medication, and follow-up visits. The policy will cover medical expenses incurred during pre-hospitalization for 30 days and post-hospitalization for up to 60 days. 4. Annual Health Check-Up Under a super top up medical insurance plan, the policyholder is eligible to avail of annual health check-up, for self and family members, on a cashless basis at a healthcare centre empanelled with the insurer. 5. Organ Donor Cover When dealing with the hefty medical bills during the treatment of an illness, super top-up plans provide the vital financial cushion by covering organ donor expenses. 6. Family Floater The plan is available as a family floater that will cover you and your immediate family members, such as spouse, children, and dependent parents, for a single premium. 7. Cashless Treatment Facility If you or your family member gets hospitalized, your insurer will settle the expenses directly with the hospital, provided you choose a network hospital for cashless treatment. 8. Free Look Period It is the period, usually 15 days, when you can review and return your policy if required. The premium will be refunded to you after deducting some amount, including proportionate risk premium for the period on cover, as mentioned in the policy terms and conditions. 9. Flexible and Affordable Another thing to note is that super top-up plan is a flexible plan that allows you to choose a deductible option. The premium is lower if the deductible is high. Plus, you can save tax under Section 80D of the Income Tax Act. The premium rate depends on various factors, including the sum insured, the number of insured members, age, policy tenure, and deductible. Conclusion A super top up health insurance plan is the best financial back-up you will need when concentrating on medical treatment. Choose ‘Enhance’ by Care Health Insurance (formerly Religare Health Insurance), a super top-up insurance policy with a range of sum insured options. You can avail of cashless medical treatment at any of our 8,250+ network hospitals. 

Tips to Plan Your Expenses With Heart Health Insurance...

The sedentary lifestyle, work pressure, and unhealthy eating habits greatly toll the heart’s health. These days, not only amongst older people but also in young adults, heart disease risk has escalated. Conferring to the Indian Heart Association, more than 50% of heart attacks occur amongst individuals below the age of 50, while 25% of all heart attacks occur in persons below 40. Heart ailments have debilitating effects on your body, and if not treated well, it can be life-threatening. However, the treatment and hospitalization for severe heart diseases have increased exponentially, which crumble you financially. Therefore, Care health insurance brings you the most comprehensive heart health insurance. The dedicated medical insurance for heart patients helps people cope with exorbitant heart treatment costs. So, read below tips to plan your expenses with heart disease insurance: In-patient Care You will get complete coverage for hospitalization up to the sum insured for a minimum period of 24 hours. You can avail of either cashless or reimbursement facility. The expenses, such as room charges, nursing expenses, ICU charges, surgeon’s fee/ doctor’s fee, etc., are covered under policy coverage.  Day Care Treatment Under daycare treatment, the patient does not require hospitalization for 24 hours. You can get the coverage for such daycare treatments, maximum up to the sum insured through cashless or reimbursement facility.  Pre and Post Hospitalization Coverage Medical expenses are not just restricted to the hospitalization costs; at times, you need to bear lots of pre and post-hospitalization expenses. With the heart disease insurance, expenses related to 30 days preceding the hospitalization and 60 days after discharge are covered. All you need to do is focus on your treatment and recovery without financial stress. AYUSH Coverage  These days people prefer the combination of conventional medical treatment or alternative medicines for a speedy recovery. You can avail of AYUSH coverage under heart health insurance, including Ayurveda, Unani, Sidha, and Homeopathy.  Ambulance Expenses During an emergency, a heart patient needs to reach the hospital via ambulance. Of course, these days, ambulance charges are high. We also cover such expenses up to a specified amount per hospitalization. Domiciliary Hospitalization Coverage You can also avail of domiciliary hospitalization coverage up to 100% of the sum insured after three consecutive days. It is beneficial these days; you can get the treatment at the comfort of your home only. Annual Cardiac Health Check-Up We understand that annual health check-up also costs you high. You can save lots of money and track your heart’s health with an annual cardiac health check-up facility under policy coverage. It is available for all the insured members. Other  Benefits You can also unlock some other essential benefits under medical insurance for heart patients. Automatic re-charge, no claim bonus, home care covers enhance the coverage of the policy. >>Also Read Healthy Diet Tips For Improving Your Heart Health Suggestion So, if you have a family history of heart attacks or any other heart ailment, buying Care Heart health insurance plan is a good idea. It is a secure way to tackle heart-related contingencies and financial stress. You can focus on your retrieval without worrying about your hospital bills.

How to Claim the Diabetes Cover in Health Insurance?...

It may sound alarming, but it is a fact, diabetes is becoming a serious health problem in India, with the leading cause being obesity and an unhealthy lifestyle – to which, ironically, many people have become prone. We are living in an age where we are witnessing a rise in lifestyle diseases and healthcare costs at the same time. On any average family, it can be a financial burden unless one has a health cover. Thankfully, nowadays, one can easily get a health insurance for diabetic patients and save the family from the hardships often resulting from expensive medical treatments. While you take into account several factors before buying health insurance for diabetes, there is one more thing you should be clear about - that is the procedure to file a claim on your diabetes cover. >>Read: Things to Check Before You Choose a Diabetes Insurance Plan Online This article is a guide on filing a claim on your diabetes health insurance plan: Note the Waiting Period When opting for any health insurance cover, a person must take a close look at the policy wordings and understand the waiting period and other terms like inclusions, exclusions, and sub-limits. It will ensure to make your claims process easy and hassle-free. For those having diabetes at the time of buying a health cover, they must wait for a specific waiting period before they can get a claim. Many health insurance plans come with a waiting period of 48 months for pre-existing medical conditions. According to the Insurance Regulatory and Development Authority of India (IRDAI), a pre-existing disease is any disease, illness, or injury, or related condition(s) for which medical advice was received/ or was diagnosed by a medical practitioner within 48 months before the effective date of the policy issued by the insurer or its reinstatement. On the other hand, health insurance plans for diabetic patients have a waiting period of 24 months for the pre-existing disease. Also, there is an initial waiting period of 30 days. Opting for health insurance much early is advisable, as it will eliminate the chances of a person having any pre-existing condition. Thus, one does not have to bear out-of-pocket expenses. Filing a Claim under Your Diabetes Health Insurance Plan Health insurance for diabetic patients is extremely beneficial, especially those who incur high medical expenses due to their long-term treatment. It is a plan specifically designed for them and offers various benefits and adequate coverage for treatment. There are two ways one can make a claim – the cashless claim and reimbursement claim. The Cashless Claim Facility When dealing with an emergency hospitalization, a family will save crucial time by opting for the cashless claim facility. Under this facility, available only at a network hospital, the insured person does not have to pay for the hospital bills and later apply for a reimbursement claim. If you have opted for the diabetes insurance plan by Care Health Insurance, you can stay relaxed about the bill payments. We will settle the expenses directly with the hospital. The cashless facility will reduce your effort and valuable time and let you concentrate on your health and recovery. It will prevent even any temporary burden on your savings. The more comprehensive the hospital network, the higher your chances are of finding the best hospital near your location. We have over 8,250 network hospitals empaneled with us. All you are required to do is to select the network hospital of your choice in your vicinity to get the cashless treatment. Here are the steps for getting a cashless claim: Step 1: Choose a network hospital for medical treatment Step 2: Notify us within 24 hours in emergency hospitalisation, and 48 hours before admission for planned hospitalisation Step 3: Show your health card and a valid photo ID proof to avail of the cashless benefit Step 4: Submit the duly filled and signed pre-authorisation form at the hospital insurance desk Step 5: After verification of documents, our claim management team will send an approval Step 6: The claim management team may raise a query if required Step 7: After approval, the medical bills are settled, as per the policy terms and conditions The Reimbursement Claim Facility There is a basic difference between network and non-network hospitals. While the former enables you to get treatment on a cashless basis, the latter does not offer this facility. In case you have chosen a non-network hospital for your medical treatment, you still need not worry. You may have to spend for the expenses from your pocket initially, but the expenses will be reimbursed as per policy terms and conditions. Here are the steps for getting a reimbursement claim Step 1: Avail of medical treatment at any non-network hospital Step 2: During the claim intimation, provide relevant details including name, Customer ID, and hospital details Step 3: Download the claim reimbursement form from our official website Step 4: Submit the duly filled and signed claim reimbursement form, along with required documents, including the specified medical documents Step 5: Our claim management team will review the case. If required, it may raise a query Step 6: The team will send an approval letter Step 7: In the case of claim rejection, the reasons will be communicated to the policyholder Final Word To avoid facing any confusion or hassle when filing a claim under your diabetes health insurance plan, make sure you have the right knowledge of the claims process, including the time limit for notifying the insurer. Further, one has to be honest when disclosing information when buying a health cover, particularly any pre-existing illness. These are some of the tips to avoid any claim rejection or delays. The online facility helps a policyholder to initiate a claim online. Moreover, once you file a claim, you can also track the status online. To check the status, visit our website and go to the claims section. Enter the relevant details, like your policy number. In case you have a query, you can feel free to reach our customer care team, where experts will be ready to assist you.

Why You Should Opt for Critical Illness Health Mediclaim Early in Your Life?...

We can never predict how the next moment is going to be. Being diagnosed with a critical illness is one event that shows the unpredictable nature of life, bringing tense moments for a family as a whole. While even a serious ailment may not be able to deter our fighting spirit, it can certainly put our financial health at risk, if we do not have a health insurance cover in place. Nowadays, it is possible to get critical illness insurance in India, like the one offered by Care Health Insurance (CHI). These plans provide comprehensive coverage for expensive treatments that are involved, due to illnesses, such as, cancer, paralysis, end-stage liver disease, and stroke, to name a few. Your regular health insurance plans may not be adequate to cover the high treatment costs of these ailments. So, getting a critical illness plan is advisable, that too, early in life. Here are some important reasons. 1. It is Easy and Affordable to Opt When You are Younger In India, most critical illness insurance plans are designed to give adequate financial protection when the insured person is diagnosed with a critical ailment during the policy term. If one is looking to buy a critical illness cover after being diagnosed with the condition, there are not many plans available. So, one has to plan for the future, by analysing the risk factors, and invest in a critical illness policy before it is too late. Further, health insurance premium increases as a person ages. It is one of the vital factors to consider when picking any health cover. The same applies to critical illness policies. These policies will be much affordable when you are young, say in your 20s or 30s. After a person crosses a particular age, there is a likelihood of having pre-existing ailments, that also lead to increased premium costs. 2. You Get Additional Financial Cushion through No Claim Bonus By opting for the best critical illness insurance in India, you will be eligible for the ‘no claim bonus’ which is a feature that makes the policyholder eligible for an increased sum insured for every claim-free year. The NCB accrued in the first, second, and third year, in the order of 50%, 25%, and 25% of the base sum insured. For instance, if you have a plan with a sum insured of Rs 5 lakh, then the sum insured after the first claim-free year is Rs 7.5 lakh, and after the second claim-free year, it will be Rs 8.75 lakh. This way, the insured person will have an additional financial cushion. When the need arises to claim the benefits, the policy will give adequate coverage for any expensive treatment one may need. Thus, the earlier one opts for this policy, the more advantageous it will be. 3. It Offers Protection as Medical Treatment Will Get Expensive Healthcare has advanced over the years, and now successful treatment is a possibility even for critical patients. The one roadblock, however, that one could encounter is the exorbitant treatment costs, especially at private hospitals in India. The best critical illness policy offers crucial financial support to a person in accessing quality medical care without burning a hole in the pocket. Some of the key benefits a critical illness policy offers are: In-patient care including room rent, doctor’s fee, surgeon’s fee, and ICU charges Cover for medical expenses during pre and post hospitalisation stage, for specified days Modern various day care treatment procedures Cover for ambulance charges Cover for chemotherapy and radiotherapy Dialysis cover Alternative treatment Second opinion  Annual health check-up  Apart from these benefits, there is the cashless hospitalisation facility that one can avail of at any network hospital.  Medical inflation can make any family without a health cover suffer financial hardships. In the future, the advanced medical treatments for critical illnesses are going to be expensive than what they are now. Thus, for leading a financially secure life in the coming years, it is always a sensible approach to invest in a critical illness cover much early. 4. There are Ageing and Other Risk Factors Leading a healthy lifestyle when we are young goes a long way in ensuring that we halt or at least delay the ageing-related health effects. However, one has to accept the fact that ageing involves some biological changes and makes us prone to health risks. Some things may be beyond our control. Keeping these factors in mind; we should have a plan to safeguard our finances by choosing critical illness insurance as it will also ensure we have easy access to medical treatment if any emergency strikes. Further, some people may question whether they actually need a critical illness plan or not. The answer to this can be linked to the fact that many illnesses, including cancer, are now occurring due to the kind of lifestyle we lead – poor diet, sedentary routine, lack of physical exercise, etc. These lifestyle-related factors, combined with family history and other risk factors, have made more and more people prone to developing such illnesses, that too, at a young age. There have been studies that show that young adults in India below the age of 50 years have coronary artery disease and suffer heart attacks. Without timely medical care, it can become life-threatening, leading to serious health complications. For getting the best treatment anywhere in India, a critical illness insurance plan is of utmost importance. >>Read: Things to Consider Before Buying a Critical Illness Policy The Bottom Line – Your Family’s Financial Security The success of treating critical illnesses, like cancer, depends more on the early detection and prompt medical care. The more time lapses, the higher the risk one faces. So, there is much focus on early treatment. Similarly, when it is about getting the required financial back-up to manage the medical expenses, it is necessary to get a plan without any delay. Dealing with critical disease is indeed a testing time for the entire family. With a health cover for critical illness, the burden on your family members will reduce and your savings protected, thus, helping bring back the smile as they see their loved one recover and become hale and hearty once again. It’s time to think about your family’s financial safety, now, so that you can be worry-free in the future! Visit the official website of Care Health Insurance (formerly Religare Health Insurance) to choose a critical illness insurance plan that covers 32 critical diseases. It offers various sum insured options so that you can customise the policy as per your individual needs. Moreover, you can avail of cashless medical treatment at any of the 8,250+ network hospitals empanelled with us.