How To Port Mediclaim Policy?

Why not I take a Top UP Policy instead of New India’s Mediclaim Policy?

A top up policy is an additional coverage for people already having an individual health insurance plan or employer health insurance policy. It is useful in case of a single illness which consumes the entire sum insured in the base policy. The top up policy triggers only after the sum insured in the base policy is exhausted and the deductible under the top up is crossed due to hospitalization. Having a top up policy without a base health insurance policy is like having a bike without an engine. A top up policy has a deductible amount which would be almost 20% of the top up policy sum insured. For example let us take a base policy with Rs.2 Lacs and Top up policy with Rs.5 Lacs, in case of hospitalization first the base policy sum insured will be utilised and then the top up policy kicks in.

Is Pregnancy Covered in Mediclaim Policy?

Many group insurance firms provide maternity coverage to pregnant women. The pregnancy plan covers all the hospitalizations charges from boarding to nursing. This plan covers all the medical charges incurred during the pre and post-delivery period. This duration is predefined by the insurer. All the costs that occurred for surgeries and pregnancy complications can be claimed. Expenditures for pre and post-natal durations are provided to the insured through this plan. The maternity insurance policy covers pre and post-natal care, C-section operation, and also vaccination for newborn babies for a specified period.

How to Apply for Chief Minister Health Insurance?

To apply for the Chief Minister Health Insurance scheme, follow these general steps:

• Check eligibility: Review the eligibility criteria, including income level, age, residency, and other specific requirements.
• Collect documents: Gather necessary documents like identification proof, address proof, income proof, age proof, and others.
• Fill out the form: Obtain the application form from the official website or government office. Fill it out accurately and provide all required information.
• Attach documents: Attach supporting documents as per the scheme's requirements.
• Submit application: Submit the completed application form along with supporting documents to the designated authority or government office.
• Follow-up: Track the progress of your application and provide additional information as requested.
• Await approval: Once approved, follow further instructions provided by the designated authority.

What are the Insurance Lists Can Cover Private Hospital?

The insurance coverage offered at private hospitals may vary depending on the specific insurance plan and provider. However, generally, health insurance plans may cover the following expenses at private hospitals:

• In-patient hospitalization
• Pre and post-hospitalization expenses
• Daycare treatments
• Emergency ambulance services
• Diagnostic tests
• Organ transplant
• Maternity and newborn care
• Additional benefits

How to Apply for Star Health Insurance?

To apply for Star Health Insurance in India, you can follow these steps:

• Research different health insurance plans offered by Star Health Insurance and compare them based on coverage, benefits, premium, and exclusions to find the one that best fits your healthcare needs and budget.
• Visit the official website of PolicyBachat which offers Star Health Insurance policies. Fill in the required details in the online application form, including personal information, contact details, policy coverage options, and medical history.
• Prepare the necessary documents, such as age proof, identity proof, address proof, medical reports (if applicable), and other documents as specified by Star Health Insurance for the policy you are applying for.
• Pay the premium amount online using the available payment options, such as debit/credit card, net banking, or any other online payment mode provided by Star Health Insurance.

What are the Types of HDFC ERGO Health Insurance Plans?

HDFC Ergo Health Insurance offers various types of health insurance plans to cater to different needs. Some of the types of HDFC Health Insurance plans include:

• Indemnity Health Insurance Plans
• Top Up Health Insurance Plans
• Fixed Benefit Health Insurance Plans

Is Health Insurance an Investment?

Yes, health insurance is a major investment that can protect you from the financial constraints of medical costs for you and your loved ones. It will cover all the medical expenses incurred by the insured and also most of them provide coverage for pre and post-hospitalization expenses.