Health Insurance

With increasingly hectic lifestyles, even the young are susceptible to disease such as heart attacks. Mediclaim provides adequate protection during medical emmergency. Therefore Health Insurance is not a choice today, but a obligation

Without an reasonable Mediclaim Policy, you can end up paying thousands of rupees in medical bill, expenditure that could have been avoided if you had Mediclaim.

Mediclaim is a form of insurance purchased by you to help your family in case of a medical emergency, other medical expenses, and even long-term care. In short, Mediclaim is cover against monetary loss due to illnesses.

Medical coverage for you helps you save money that would have been spent on medical expenditure. It safeguards your family against unexpected expensive medical treatment, helps you plan well for your family’s health and overall it ensures your family gets good medical care.

Mediclaim covers not only the expenses incurred during hospitalisation but also the pre and post-hospitalisation expenses .

Also with Mediclaim you get benefits in Income Tax. under Section 80C and Section 80D of Indian Income tax act..

Mediclaim policies are of various, such as individual health insurance plans, Family Health floater, Group Mediclaim policies etc. So it is important to take the time and compare health insurance plans to determine what best siuts your health care needs.

When comparing Mediclaim rates, make sure you are comparing similar plans.

Benefits and Coverage: It is important for you to realise that not all medical expenses are covered by the products available.
Mediclaim cover from general insurers don’t cover dental procedures, non-surgical care, consultation or treatment requiring less than 4 hours of Hospitalization.
The policy provides for reimbursement of hospitalisation expenses for accidental injuries that you’ve underwent within the policy period
You are entiteled for mediclaim if you are above 5 years old and below 80 years of age. You can also insure your toddler of 3 months or more, but only if you and your spouse are covered concurrently.
Mediclaim is also available if you’re undergoing ayurvedic or unani treatment. However no other form of treatment is covered under the Plan.
If one requires, dialysis, chemotherapy or radiotherapy then although you are discharged on the same day, this is covered under the Hospitalisation Benefit Scheme.

The best companies offering Health Insurance in India are as follows

Bajaj Allianz General Insurance Co. Ltd
ICICI Lombard General Insurance Co. Ltd
IFFCO Tokio General Insurance Co. Ltd
National Insurance Co.Ltd
The New India Assurance Co. Ltd
The Oriental Insurance Co. Ltd
Reliance General Insurance Co. Ltd
Royal Sundaram Alliance Insurance Co. Ltd
Tata AIG General Insurance Co. Ltd
United India Insurance Co. Ltd
Cholamandalam MS General Insurance Co. Ltd
HDFC-Chubb General Insurance Co. Ltd

choosing a mediclaim, always compare your sum assured limit with your premium payment power.

Click here for more details about Mediclaim and Mediclaim in India

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