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Health Blog
29 May 2022
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Contents
While purchasing the mediclaim policy, it is advised to be careful in filling in the details. The change in the policy document has sometimes a direct impact on the policy premium. For instance, any changes in the age or date of birth will affect the premium. Any amendments to the medical policy depend upon the sole discretion of the company. *
A mediclaim policy can be easily renewed both online or offline within the grace period. *
A mediclaim policy offers certain inclusions and exclusions. It varies from insurer to insurer and is subject to terms and conditions. *
A group mediclaim policy for employees by the employers offers various benefits to the policyholder. *
People often tend to confuse between a mediclaim policy and a health insurance policy. There is a thin line difference between these two terms. The key difference is that in a mediclaim policy the scope of coverage is narrow and does not offer add-on benefits. However, this is not the case with a health insurance plan. The scope of coverage is wide and comes with an add-on rider benefit. *
Use the health insurance premium calculator and get an estimate of what needs to be paid approximately. *
In case of any medical emergency that leads to hospitalization due to an accident or injury, the claim can be filed. In case the insured is undergoing treatment in the network hospital one can go with the cashless health insurance policy. If in a non-network hospital, pay the bills from the pocket, keep all the medical bills and documents handy, and file for reimbursement. *
It is better to check with the insurance company in regards to whether a mediclaim insurance policy covers the expenses related to COVID-19. *
An individual who has a corporate policy in place can also buy a mediclaim insurance policy. *
The overseas mediclaim policy covers those medical expenses incurred due to a sudden accident or illness while overseas. The healthcare costs on foreign land are expensive. Anyone traveling abroad should have medical insurance in place. *
Yes, a mediclaim insurance policy can be canceled. A free look period is provided by the insurance companies after the policy is bought to understand the terms and conditions of the policy. In case, the policyholder does not find a clause suitable, the policy can be canceled and the amount will be refunded. It is advised to refer to the policy cancelation section and go through the policy wording. It enables us to understand the amount that will be refunded. * *Standard T&C Apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure/policy wording carefully before concluding a sale. Disclaimer: The information and figures are subject to change.
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