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A mediclaim policy or medical insurance is a health cover offering protection against standard hospitalization expenses, including COVID-19 treatment, OPD, diagnosis, and more.
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In today’s world, we all should know the importance of being supported whenever we are in a problem, and to most of our health-related issues, we have unparalleled mediclaim plans. Health mediclaim is a classification of health insurance that helps us mitigate the monetary risk whenever we need financial assistance during sickness or urgent medical attention. A good mediclaim policy doesn’t leave you disappointed when you need it the most. It covers your hospitalization expenses and any specific ailments and treatments you incur during your hospitalization. It ensures financial protection against your sickness or accident up to the sum insured.
India is grappling with several health problems. It has turned into the diabetes capital of the world. Around one million new cancer patients register, every year and the rising rate of non-communicable diseases (NCDs) causes 61% of deaths in the country. No doubt, medical advancement bringing new hopes to the health care sector. But, at the same time, it is giving rise to medical inflation. Diagnosis, medication, treatment, and hospitalization costs are burning holes in the pockets and become unaffordable for the common mass. Either one has to sell the assets or lend money whenever there is a medical emergency. It results in financial distress for the entire family. So, to combat such a medical crisis, we offer mediclaim insurance plans that cover your risks and provides you with financial support whenever you need it.
You cannot predict health uncertainties, but you can stay prepared. But, the best mediclaim policy in India helps you to stand strong during a medical emergency. A health insurance plan covers your medical expenses up to the sum insured and helps to avail the best possible treatment for yourself or your loved ones. Under this policy, you can cover self, spouse, children, and dependent parents and opt for either a cashless hospitalization facility or reimbursement to settle the claim. It is the best mediclaim policy in India for investment that offers you class healthcare services without worrying about money. So, your farsighted approach, pragmatic planning, and mediclaim health insurance cover help you to stay in the pinkest of your health without financial stress.
It is a comprehensive mediclaim in India that provides financial assistance during hospitalization. With mediclaim, you do not need to arrange cash for your treatment. We settle your medical bills so that you can focus on your recovery. Let's take a close look at its key features:
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It acts as a saviour whenever you or your family faces a medical emergency. It supports you without depletion of your savings. Read below the vital benefits of having the best medical policy for the family:
It is essential to understand the importance of the best mediclaim insurance policy for individuals and also for the family.
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Several types of mediclaim policies are available in India. At Care Health Insurance, we offer comprehensive and customised mediclaim insurance policies that cater to your unique health care needs and help you access the best treatment. Let us understand the different mediclaim policies:
Care health insurance offers the most comprehensive mediclaim plans suiting your requirements. We also make sure that your mediclaim insurance premium is affordable so that it doesn’t burden your pocket and savings.
>>Click to Know More about Senior Citizen Mediclaim Policy
Do you know a single-time hospitalization can push your financial planning back? Why take a risk? If you have a family to take care of, opt for a mediclaim plan now. Read below how it is crucial:
Mediclaim will protect you at any time to face a medical emergency or any planned medical treatment for you or your loved ones. Choose a policy wisely so that you can avail the maximum benefits.
You may find options to buy mediclaim online, but finalising what is best can be challenging, especially if you are getting it for the first time. We list some vital factors that you should consider when choosing or comparing mediclaim policies online:
Be careful when you buy mediclaim online as there could be hidden terms and conditions to the plan you choose. It is always convenient to get online mediclaim policy and get first hand information regarding the plan you want to opt for.
Due to the uncertainties of life and the constant rise in health care costs, mediclaim nowadays is essential for families and individuals. It is always safe to know which is the best mediclaim policy in India before you decide to buy a medical claim policy. Read below what mediclaim covers.
Always aim to buy best mediclaim in India so that you don’t have to regret later.
The medical conditions not admissible under a medical insurance plan are called exclusions. You can read below the *exclusions under mediclaim.
With us, claim under mediclaim policy is quick and easy. During an emergency, you need to inform our customer support team within 24 hours of hospitalization. For planned hospitalization, you need to inform before 48 hours of hospitalisation. You can file the claim in two ways:
|Cashless Claim Process||Reimbursement Claim Process|
|Step 1: Go to a listed in-network hospital.||Step 1: Submit your claim form along with other required documents.|
|Step 2: Fill out the proper forms at the insurance desk.||Step 2: You'll get an approval letter when your claim is verified.|
|Step 3: Send the completed form to our claim management team.||Step 3: Respond to queries raised by the claim management team.|
|Step 4: You'll get an approval letter when your claim is verified.||Step 4: Get approval from the claim management team.|
|Step 5: Respond to queries from the claim management team. You will receive communication about whether your cashless claim is approved or rejected within the standard TAT.||Step 5: Our claims team will contact you if there are specific reasons for rejecting your claim.|
Double-checking the mediclaim policy details before buying is necessary so that you don’t face any issues while getting claim.
Selecting a Mediclaim policy is one of the most crucial tasks you have to do for yourself and your family. Being aware of the things that you want in your policy plays an important role and helps you lifelong. See the factors below to Consider while selecting mediclaim policy in India-
Ideally, the higher the coverage you opt for, the better. However, there is a direct correlation between the premium that you have to pay and the coverage that you receive. Some providers will offer to cover more than the basic hospitalization and pre-and-post- hospitalization expenses. Therefore, ensure that you get the best value for your money.
Care Health Insurance allows you to recharge the sum insured, up to 100% of the original SI if the amount gets exhausted. Look for such options that build useful flexibility into your plan.
Care Health Insurance ensures to stand by you even when you turn old. While looking for a healthcare policy, find yourself one that offers you lifelong renewal. This option will keep you at ease in your elderly years.
This factor is relevant, irrespective of what age you are. Make sure you understand how the claim process works, in advance, so that you do not lose time or effort following up on a claim.
Due to modernization today, there are a lot of procedures that do not require any hospitalization. Hence, it is wiser to opt for a policy that covers day care procedures as well. CHI covers medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more and we cover over 540+ day care procedures.
It is absolutely simple to buy mediclaim online with us. Follow these simple steps to get it online hassle-free:
Disclaimer: Procedure can vary as per product opted.
You can port the policy only at the stage of policy renewal. Intimation for porting is required 45 days before renewal. Inform your last insurer in writing for a porting mentioning the name of the new insurer. Fill up our portability form with existing insurance details and submit the relevant documents and make payment.
Want to port your current health insurance?
Note: *NCB will not reduce if the claim amount is less than 25% of SI under add-on Care Shield. For details, refer to policy T&C.
Yes, you can modify the sum insured in the mediclaim policy that shall be permissible only at the time of policy renewal. However, it can affect your premium amount.
No, you cannot add and remove family members in your current mediclaim policy for the family. You can do it only at the time of policy renewal.
The acceptance of change in DOB is solely Care's discretion, and it may affect your premium. Therefore, providing the right birth date and other details at the time of purchasing the mediclaim policy is advisable.
You can renew your mediclaim policy online and offline both, within the grace period of 30 days.
The minimum entry age to buy a mediclaim policy is 91 days to 4 years (with at least one insured member of 18 years of age or above) and 5 years on an individual basis, and the maximum entry age has no age bar, with lifelong renewability.
Yes, mediclaim cover accidents as well. However, you need to buy it as an optional benefit. Under which you will get an additional sum insured for accidental hospitalization.
Amongst our various mediclaim policies, operation mediclaim covers dental treatment subject to policy terms and conditions.
Mediclaim insurance is recommended for everyone, especially in this age of rising medical inflation and increasing lifestyle diseases. It is a must for those who depend on their corporate health insurance and do not have a separate health cover. Anyone 18 years of age or above can purchase a mediclaim insurance policy for themselves or their loved ones.
Yes, you can buy mediclaim policy online while visiting our official website.
Yes, you will get coverage for alternative treatments like AYUSH.
Our indemnity-based products offer hospitalization coverage for COVID-19. Do refer to terms and condition for more details.
A Cashless Mediclaim is an advantage offered by most of the healthcare providers. Under a cashless Mediclaim, medical bills are directly settled by the insurance company, provided the total bill amount falls within the assured limit and the hospital is a network hospital.
As the name suggests, it is a health insurance that covers against the risk of hospitalization expenses if you travel to a foreign country.
Floater mediclaim policy is tailor made plan for the families. It is almost similar to individual health insurance but the only difference is that it acts as an umbrella to cover your entire family.
Yes, you can definitely port your mediclaim policy. You will have to approach the insurance provider where you wish to port your existing health insurance policy. The company will hand you a couple of documents that include your portability form and a proposal form.
Mediclaim is a type of insurance that covers only hospitalization-related expenses up to the sum insured whereas, Health insurance is a type of insurance that provides comprehensive coverage for medical costs and surgical expenses beyond more than hospitalization.
In mediclaim insurance claim process the policyholder to avail of the coverage under a set of rules. At Care Health Insurance, we follow a set of procedures to settle the claim. For a hassle-free claim settlement, you need to inform our customer support team about your hospitalization within 24 hours in emergency hospitalization and before 48 hours for planned hospitalization.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly. Do refer IRDAI guidelines for tax exemption conditions.
#Source: IBAI Claims Handbook for FY 19-20
^^Number of Cashless Healthcare Providers till 25th March 2022.
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