How To Get Maximum Health Cover In Less Amount In India
Why Mediclaim Is So Important ?
As our need for medication is rising days by day due to challenges of life. Present life style and food habits also make the room for present illness or diseases that empty you saving often so if purchase already some health insurance against any thing wrong if happens to you , you need not to worry about the money and say bill your hospital’s bills and some cases pre and post expenses would be meet out from your policy.
In some cases people have been seen to pay through mediclaim their heavy hospital bills otherwise it could not be possible for them to even stay one day at the hospital
Mediclaim for you
It is often asked -" what is the mediclaim?"
Why one need to have it?
Why do I buy mediclaim when I am not suffering from any disease?These are the FAQs.
Why We Need Mediclaim?
As per present days we can say that health related expenses like hospitals bills.doctors'fees are raising upto 200%Some countries already have made medical insurance compulsory but various countries barring developed countries like -USA,U.K. Australia etc. have it and others specially Third World countries (Asian countries) have not made it so far.
Medicaim is needed because people can't pay heavy bills of hospitals , doctors' consultations fee etc. Usually people pay their bills with their pockets.
After they have to borrow for it, from their friends and relatives , as they could not bear it alone.
How To Get The Details About The Plan
How to choose the right plan for you?
Then you have got the answer why you need it?
Secondly how to choose the plan?
Which plan suits you better?
You can choose your plan according to your familys' need. Often family means immediate members like spouse, children .You can choose between floater and individual plans .Floater plan specially meant for family where as individual plan for single persons whom do not fall in floater plan category.Dependants also fall in floater plan.
Which type of plan cashless or reimbursement?
Which type- cashless or reimbursement?
I t better to opt for cashless so you'll have to pay nothing from your pocket.Hospital will charge directly from your company.For this regard they issue you a Id Card which looks like a debit card or credit card .All details are in this card.
How to get the details ?
From brouchers or phamplets or companies' official web site or agents you can get full information about the products.
Mediclaim is also known as medical insurance or health insurance
What They Cover ?
They give you wide range of cover with some exclusions .It means benefits they give you are subject to companys' policy.Benefits are as pre hospitalisation and post hospitalisation.
Day care treatments,domiciliary treatments,Maternity benefits,e-opinion,additional cover for critical illness.
These and other benefits depend on plan you have chosen.
In mediclam policy you can find some other benefits-
1.commutative bonus- you get it as a no claim bonus( for claim free year)
2.Free health check ups.
3. Tax benefits
Some Exclusion Also Are There
Waiting period -It vary company to company .Normally it is 30 -90 days .
Pre existing condition will not be covered immediately.
Hospitalization due to war.
2 years exclusion for specific diseases like cataract, hernia, hysterectomy,joint replacement,hydrocele.
Items of personal comfort and convenience, experimental,investigative and unproven treatment devices and pharmacological regimons.
Mediclaim policy has vital need of these days,Benefits may vary from company to company and plan to plan .
Any further information I''l provide my next blog