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India is grappling with several health problems. It has turned into the diabetes capital of the world. Around one million new cases of cancer 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. The costs of diagnosis, medication, treatment, and hospitalization 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 the best mediclaim policy that covers your risks and provides you financial support whenever you need it.
You cannot predict health uncertainties, but you can stay prepared. Mediclaim policy helps you to stand strong during a medical emergency. It is a medical insurance plan that covers your medical expenses up to the sum insured and helps to avail the best possible treatment for yourself or your loved ones. Under the mediclaim 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 for investment that avails 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.
Mediclaim Policy is a comprehensive medical insurance policy that provides financial assistance during hospitalization. With mediclaim, you do not need to arrange cash for your treatment at any of our network hospitals. We take responsibility for all your medical hassles so that you can focus on your recovery. Let's take a close look at its key features:
It is your savior whenever you or your family faces a medical emergency. It provides you financial help without depletion of your savings. Read below the vital benefits of having the best medical policy for the family:
Due to the uncertainties of life and the constant rise in health care costs, mediclaim nowadays is important for families and individuals. Read below what a mediclaim policy covers.
The medical conditions that are not covered under medical insurance plan are called exclusions. You can read below the *exclusions under our mediclaim policy.
Note: Please read the policy documents carefully to know the exclusions at the time of buying a policy
You need only a few documents to buy online mediclaim policy that includes:
A mediclaim policy will protect you at any time if at all, you have 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 of its maximum benefits.
You may find many mediclaim policy options online, but to finalize what is best can be challenging, and several aspects need your attention. You will then be able to take a better decision as to what is suitable for your family.
When opting for a mediclaim insurance policy, one of the vital things you should never skip is checking the claims procedure. It will keep away from confusion when coping with a medical emergency.
A policyholder has two options to get the coverage under a mediclaim policy – one is filing a claim for reimbursement of expenses. The second is selecting the cashless treatment facility at a network hospital. Both these procedures are easy, as discussed below.
In this process, you will need to bear the hospital expenses first from your pocket. However, these expenses will be reimbursed by us, as per the policy terms and conditions. Here are the steps to file the claim:
The cashless treatment facility saves much of your valuable time when you have other things to look into when a medical emergency occurs. You need not make any direct payment, as we will pay your medical bills directly to the hospital, subject to the policy terms and conditions. We have over 8,350 network hospitals empanelled with us in our network where you can get the cashless facility. The steps to avail this facility are mentioned below:
The policyholders should notify us within 24 hours of emergency hospitalization and 48 hours prior to planned hospitalization.
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Most Frequently Asked Questions
Mediclaim premium means the amount of money that you as an insured have to pay to Care within a stipulated time, against the policy coverage. We ensure that our premiums are affordable and do not burden your pocket. However, the premium amount is subjected to age, pre-existing disease, income, and the number of family members need to cover in a mediclaim policy.
Yes, you can modify the sum insured in the mediclaim policy that shall be permissible only at the time of renewal of the Policy. 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. However, you can buy a separate medical insurance policy for your family members.
The acceptance of change in DOB is solely Care's discretion, and it may affect your premium. Therefore, providing the right birth of date and other details at the time of purchasing the mediclaim policy is advisable.
With our health insurance plans you can enjoy lifelong renewability. It ensures that your Mediclaim policy can be renewed for life without any age restriction. Once you have received the insurance policy you have the right to renew it for lifelong. You do not need to buy a health insurance policy again and again after its expiry.
Switching from one insurance provider to another is called portability. Now you can port to Care Health Insurance in simple steps:
You can renew your mediclaim policy as per the following steps:
For Cashless Mediclaim Facility:
For Mediclaim Reimbursement:
Yes, you can buy Joy mediclaim policy for pregnancy. It is the right combination of hospitalization and maternity insurance. We offer cashless treatment at network hospitals, a hundred percent sum insured, waiting period as low as nine months, and other benefits.
The best mediclaim health insurance policy covers in-patient hospitalization, pre and post hospitalization expenses, medication, treatment, therapies, daycare treatments, domiciliary hospitalization, alternative treatments, ICU charges, room rent, ambulance cover, etc.
Mediclaim insurance policy also has some exclusions that include any diagnosis of diseases / undergoing of surgery/occurrence of the event, whose signs or symptoms first occur within 30 days of Policy Period Start date. Expenses attributable to self-inflicted injury, costs arising out of or attributable to alcohol or drug use/misuse/abuse, medical expenses incurred for treatment of AIDS, treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences. Also, congenital disease, tests and treatment relating to infertility and in vitro fertilization and war, riot, strike, nuclear weapons induced hospitalization. For more details, read policy terms and conditions.
The minimum entry age to buy a mediclaim policy is 91 days, and the maximum entry age is 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.
Under cashless mediclaim policy, you can avail of cashless hospitalization facility at the network hospitals. You do not need to arrange cash for the treatment. We will pay your maximum medical bills as per policy terms and conditions.
Amongst our various mediclaim policies, Operation mediclaim covers dental treatment subject to policy terms and conditions.
A floater mediclaim policy is a plan that covers the entire family. You need to pay a single annual premium, and the sum assured covers all insured family members that can be used for multiple hospitalizations.
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.
Looking for Health Insurance Portability
There are several types of mediclaim policies available in India. However, at Care Health Insurance, we offer four mediclaim insurance policies- Cancer Mediclaim, Heart Mediclaim, Critical Illness Mediclaim, and Operation Mediclaim. These are comprehensive and customized medicalim policies cater to your unique health care needs and help you get the best treatment.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
*Claim settlement ratio is for FY 19-20 and *number of claims settled as on June 30, 2020