Health Insurance

 

Health Insurance or Mediclaim as commonly know refers to protection that is provided to a policyholder as a cover against unexpected medical emergencies. Today there are over 200 Health Insurance Plans available to a consumer. With each of these Health Insurance Plans having their own unique USP, but they all can be differentiated on the bass of 8 broad categories.

All major health insurers offer common benefits and features. These all include:

Cashless reimbursement of hospital expenses

Coverage against all pre and post expenses related to hospitalization

Coverage for pre-existing diseases

Tax savings under section 80D

In Patient hospitalization expenses

The process of claim filing is different from a network to a non network hospital. While filing for a claim in a non-network hospital a policyholder needs to fill up a claim form, attach all original bills to be claimed and share the same with the branch of the health insurance provider who then reimburses this amount. In case of network hospital all formalities are done by the hospital.


 
 
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