Health Insurance
Health Insurance
Looking at the healthcare inflation cost coupled with the lifestyle disease epidemic, health insurance is needed to help you pay for health care in the event of unexpected illness or injuries. Health insurance covers medical uncertainties and ensures quality medical treatment at the time of need.
Advantages of Family Health Insurance
Comprehensive Cover
Mediclaim policy offers comprehensive protection to your family by covering all the medical needs. You can avail benefits like outpatient treatments, international hospitalization and maternity in this policy.
Lifelong Renewability
Once you buy individual health insurance, you can renew the policy for a lifetime. This means that you can avail the lifelong cover against expensive hospitalization costs and enjoy the financial protection.
Medical Expense Cover
Family health insurance offers protection against higher hospitalization costs by taking care of out-patient treatment, in-patient care, lab test and day-care procedures. AYUSH treatment can also be covered.
Free Health Checkup
Many family floater health insurance plan offers free health check-ups periodically after every claim-free year. You can avail such medical check-ups via cashless at empanelled hospitals and diagnostic centre.
Query?
FAQ
General Question
Cashless Mediclaim policy for family offers the facility to insured to get treated in any of the network hospital empaneled with the insurance company without settling any hospitalization bill. Once the insured gets discharged, the hospital will send the medical reports and bills to the insurance company, where it is verified and the claim is settled.
Yes, you can file a claim under health insurance if you get admitted and treated in not-network hospital. But such claims would always be on the reimbursement basis. This means, first you have to pay all the medical bills from your pocket and then get them reimbursed from the insurer after submitting all the required documents to the insurer.
While filing the claim, you should make sure that all the required documents are submitted to the insured within the specified time. Some of these common documents include identity proof, policy copy or health card, medical report, and original bills with receipt and prescriptions. An insurer may require any other additional documents as well in order to process your claim.
Yes, you can avail cashless claim facility for the planned hospitalization in order to treat your pre-existing diseases. In order to do so, you should get treatment in the network hospital. Then you should send the claim form to the TPA or health insurance company. Once the claim is approved, all medical expenses will be settled with the hospital by the TPA directly.
Yes, health insurance plans for family covers all the medical expenses incurred during pre and post-hospitalization. But this coverage is subject to a particular condition and for a specified time limit. This time limit varies between 30-60 days for pre-hospitalization and 60-90 days for post-hospitalization.
Group health insurance scheme does not offer tailor-made coverage according to the individual needs and requirements. Also, in case if you quit the job or changes employment, you would be left uncovered. In order to protect yourself from such unplanned events and to get customized coverage, you should buy standalone individual health insurance.