Under mediclaim, you pay small money and it protects from
any high hospitalization expenses.
A top up cover can offer various benefits in case of
high hospitalization expenses.
Not exact matches
Gold / Platinum plans —
high cost plans designed to cover major medical events Gold and platinum plans are the
highest cost plans available, and are best suited for employees who anticipate major medical
expenses in the next 12 months, such as having a baby, surgery, or
hospitalization.
All benefits under this plan shall be payable only if the aggregate of covered
hospitalization expenses exceeds the Threshold level or any amount received / receivable under any Health Insurance policy / Reimbursement scheme whichever is
higher.
Even though your sum insured is
high, but you may not be claiming your entire
hospitalization expenses due to the sublimit clause on specific medical procedures.
While health industry as a whole has undergone a massive transformation, most consumers are opting for medical insurance plans with the sole motive to cover the
high cost of medical treatment that encompass
expenses related to pre and post
hospitalization, day care and the ambulance charges.
Opt for the best medical insurance plan that has no sub-limits or the
highest limits, so that the
hospitalization bills do not give you nightmares in respect of the uncovered
expenses
The average
hospitalization expenses range
higher than the commercial insurers but lower when compared to other private insurer.
The Policy covers aggregate
hospitalization expenses incurred in India during the policy period exceeding the Threshold Level or any amount reimbursed or reimbursable under any Health Insurance Policies / Reimbursement Scheme whichever is
higher, up to the Sum Insured stated in the policy.
But, for most middle class families it becomes difficult to meet up the
expenses pre and post
hospitalization owing to the
high health care costs.