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Health Insurance
Health insurance is necessary to assist you in covering the cost of medical care in the case of an unplanned illness or injury, especially given the rising cost of healthcare and the epidemic of lifestyle diseases. Health insurance provides coverage for medical risks and guarantees access to high-quality care when it’s needed.
Family Health Coverage Benefits
Complete Protection
Mediclaim coverage provides your family with complete safety by taking care of all of their medical requirements. With this policy, you can take advantage of features like maternity care, international hospital stays, and outpatient therapies.
Permanent Renewability
You can keep your individual health insurance coverage renewed for as long as you own it. This indicates that you are eligible for a lifetime policy that will safeguard you financially from high hospital bills.
Health Insurance
Family health coverage includes inpatient, outpatient, lab, and daycare services, so protecting against increased hospitalisation expenditures. Treatment from AYUSH may also be covered.
Free Health Assessment
Most family floater healthcare plans include free annual health assessments following each year before a claim is made. Such health checks are available at diagnostic clinics and health institutions with endorsements using a cashless system.
FAQ
General Question
? What is cashless claim settlement ?
Cashless Mediclaim policy for family offers the facility to insured to get treated in any of the network hospital empaneled with the insurance company without settling any hospitalization bill. Once the insured gets discharged, the hospital will send the medical reports and bills to the insurance company, where it is verified and the claim is settled.
? Can I file a claim if I get treated in non-network hospital ?
Yes, you can file a claim under health insurance if you get admitted and treated in not-network hospital. But such claims would always be on the reimbursement basis. This means, first you have to pay all the medical bills from your pocket and then get them reimbursed from the insurer after submitting all the required documents to the insurer.
? What are the documents required to file a claim in health insurance ?
While filing the claim, you should make sure that all the required documents are submitted to the insured within the specified time. Some of these common documents include identity proof, policy copy or health card, medical report, and original bills with receipt and prescriptions. An insurer may require any other additional documents as well in order to process your claim.
? Can I apply for cashless claim settlement for planned hospitalization in health insurance?
Yes, you can avail cashless claim facility for the planned hospitalization in order to treat your pre-existing diseases. In order to do so, you should get treatment in the network hospital. Then you should send the claim form to the TPA or health insurance company. Once the claim is approved, all medical expenses will be settled with the hospital by the TPA directly.
? Can I Claim the expenses before and after hospitalization ?
Yes, health insurance plans for family covers all the medical expenses incurred during pre and post-hospitalization. But this coverage is subject to a particular condition and for a specified time limit. This time limit varies between 30-60 days for pre-hospitalization and 60-90 days for post-hospitalization.
? Should I buy Individual health plan even if I am covered under group health insurance by an employer ?
Group health insurance scheme does not offer tailor-made coverage according to the individual needs and requirements. Also, in case if you quit the job or changes employment, you would be left uncovered. In order to protect yourself from such unplanned events and to get customized coverage, you should buy standalone individual health insurance.
Talk To Our Insurance Experts
Are you perplexed by complicated insurance terminology? Don't worry. Speak with an IRDAI-certified insurance expert at Plum to get the best group insurance quote.