"Mediclaim" is a type of insurance that covers the expenses related to medical treatments and hospitalization. It helps individuals in paying for their medical bills and provides financial support during times of illness or injury.
Full definition
And buying insurance policies including
mediclaim policies can ward off those unnecessary tax deductions from your hard earned money.
Some health policies offer regular health check - ups as a part of their coverage so ensure that you choose best
mediclaim insurance policy.
Patients covered under
cashless mediclaim policies of state - owned insurance firms may have to procure drugs and medical equipment directly from suppliers and pharmacies designated by the insurers.
Although, the duration varies from one health insurance company to another, still most providers
of mediclaim policy in India offer pre-hospitalization coverage for 30 days before hospitalization.
This Star health insurance policy provides
mediclaim cover for the individual's entire family and is issued on a floater basis.
While buying
group mediclaim insurance, an employer can also customise the room rent limits based on the requirements.
Under Section 80D of the Income Tax Act, deductions for
mediclaim premiums apply to individuals, senior citizens and HUF.
Health insurance, often referred to as
mediclaim in India, covers expenses related to hospitalisation...
A
best mediclaim insurance plan covers pre-existing diseases as soon as possible.
Today it is very easy to choose your policy from the wide range of insurance plan available in the market; you can easily compare and
buy Mediclaim on our website.
This national insurance
mediclaim plan covers basically the following group of travellers namely
Chiefs of four public - sector general insurers met representatives of private hospitals today to settle the latest row on withdrawal of cashless facility
on mediclaim policies....
The court was hearing a PIL filed by social worker Gaurang Damani detailing hardships faced
by mediclaim policy holders.
The
individual mediclaim policy offers salient features which help the insured to take care of multiple expenses during the course of hospitalization.
As regards the patients seeking treatment
under mediclaim scheme, Fortis Hospitals CEO Vishal Bali said they would have to seek reimbursement for claims for treatment in delisted hospitals.
I check the prospectus from New India Assurance — Family
Floater Mediclaim Policy for both of us.
All in all, online health insurance policies provide
mediclaim policyholders with a sense of security which help them to stay confident and manage their finance better in time of medical emergencies.
I want to purchase one term policy to cover my life risk and one more
mediclaim health policy, which is believe is necessary these days given high hospital costs.
This was interpreted by some as withdrawal of the cashless
mediclaim facility by these insurers.
Health insurance, often referred to
as mediclaim in India, covers expenses related to hospitalisation... Read More
National
Varistha Mediclaim for Senior citizens is an individual policy which is specifically designed for people between 60 years — 80 years.
Senior
Citizen Mediclaim Policy from New India Assurance Company covers hospitalization expenses arising out of the treatment of any illness / injury.
For a family of four people up till the age of 65, this family floater
mediclaim scheme will be having a premium of Rs 6000 for a sum insured of Rs. 2lakh.
However, cashless
mediclaims do cover benefits like ambulance charges, critical illnesses, pre and post hospitalization medical expenses and in - patient care, to name a few.
Therefore, even if your parents have crossed 60 years and still do not have health insurance, you can approach PSU
Mediclaim insurers.
While mediclaim limits itself specifically to hospitalization expenses, a health insurance is much more comprehensive and provides a cover that extends beyond hospitalization.
Dear suryabahn, You may consider taking a
separate mediclaim cover for your father and a family floater plan for (self + spouse + kids).
National Parivar
Mediclaim Plus is a floater health insurance policy providing health cover for your family as a single sum insured.
Your first priority should be to buy
regular mediclaim insurance and then to buy a critical illness cover.
For health cover, New India
Assurance mediclaim policy offers individual plans that can be modified according to the needs of the policyholder.
There are also limits to how much we may be able to exempt ourselves from, read on to find out more regarding,
Mediclaim exemption limit ay 2016 - 17.
If mediclaim premium is paid for parents, then maximum deduction of Rs. 25,000 is allowed.
If your existing
mediclaim coverage does not fulfill your needs, purchase top up health insurance plans that best fit your needs.
Both the existing health insurance company and the new health insurance company
where mediclaim insurance policy will be ported must be aware of this decision of medical insurance policyholders.
In case one has an
existing Mediclaim insurance with the company, the health check is waived off.
Since National insurance
mediclaim renewal is online, it goes smooth and you get the renewal notification right away.
So, you should make health insurance comparison and
avail mediclaim policy with lifelong renewability.
With so
many mediclaim policies available in the market, it has become very convenient to take care of your health without spending a fortune.
As I said earlier, I have purchased 1) Online term insurance, «HDFC Click2 Protect Plus» for 55 lacs, 2) Stand alone Personal accident policy for 50 lacs from «Apollo Munich» 3) Super top
up mediclaim policy for 10 lacs with 1 lac deductible from «Apollo Munich» beside my company's group medicliam policy for 2 lacs.