The policy covers hospitalisation expenses for the treatment of illness provided hospitalisation is more than 24 hours. This insurance is available to persons between the age of 18 years to 60 years.
The policy covers hospitalisation expenses for the treatment of illness/injury provided hospitalisation is more than 24 hours. Pre-hospitalisation expenses for 30 days and post hospitalisation expenses for 60 days are also payable.
Day-care treatment - The Medical expense towards specific technologically advanced day-care treatments / surgeries where 24 hour hospitalisation is not required.
Customer Care in Health Insurance Industry
Health Insurance Industry is a service-oriented industry with customer satisfaction and customer grievances being important components of its business operations. Both the issues – Customer satisfaction and Customer Grievances have been described in the article in co-relation with the health insurance sector.
Health Insurance Industry is a service-oriented industry with customer satisfaction and customer grievances being important components of its business operations. Both the issues – Customer satisfaction and Customer Grievances have been described in the article in co-relation with the health insurance sector.
Ayurvedic / Homeopathic and Unani system of medicine are covered to the extent of 25% of Sum Insured provided the treatment is taken in the Government Hospital.
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Group Health Insurance Plan
Group health insurance plan is grouped plan offered by the employer to the employee to form a group insurance.
Group health insurance plan is grouped plan offered by the employer to the employee to form a group insurance.
Pre-existing conditions like Hypertension, Diabetes, and their complications are covered after two years of continuous insurance on payment of additional premium.
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Some Health Insurance Tips
Medical expenses are sky high these days, but was never cheap ever. Even a small treatment or an appointment with a doctor might consume a lot of money. Health insurance is a must.
Medical expenses are sky high these days, but was never cheap ever. Even a small treatment or an appointment with a doctor might consume a lot of money. Health insurance is a must.
• Diseases contracted within 30 days of insurance
• Dental treatment except arising out of accident.
• Debility and General Run Down Conditions.
• Sexually transmitted diseases and HIV (AIDS)
• Circumcision, Cosmetic surgery, Plastic surgery unless required to treat injury or illness
• Vaccination and Inoculation
• Pregnancy and child birth
• War, Act of foreign enemy, ionising radiation and nuclear weapon.
• Treatment outside India
• Naturopathy
• Domiciliary Treatment
• Experimental or unproven treatment
• All external equipments such as contact lenses, cochlear implants etc.
Premium:
Premium is based on age of the proposer and geographical area of treatment. Premium is based on age of the proposer and geographical area of treatment.
Special features of the policy:
• Discount in premium for family cover
• Loyalty Discount
• Good Health Discount
• Cumulative Bonus
• Cost of Health Check up
• Income Tax Benefit under Section 80D of IT Act.
How to avail claim:
Claims are administered through Third Party Administrators (TPA) whose contact particulars appear on the policy document. Insured can opt for cashless or reimbursement facility for their claims. The proposer has the option to avail TPA services, which is cashless or direct service by Policy issuing Office, which is on reimbursement basis.
Source-Medindia
