| After 2009, medical expenses is gradually hiked; | | | | insurance company provide their services based |
| fortunately in India, the medical services are | | | | on the annual renewal or annual subscription basis. |
| cheapest along with world-class medical service | | | | If you want to take full benefit of health |
| facilities. | | | | insurance you must renew your policies. |
| Everybody is aware of mediclaim policies, but | | | | 6. Check your risk coverage time to time- it is a |
| they have two questions. The first question is - | | | | good practice to make a review time to time, |
| how it will help me? Well, if you are hospitalized, | | | | you or your family covered with enough risk |
| and you need a lot of money for your treatment | | | | coverage or not. |
| - a standard health insurance will help you to take | | | | 7. Before buying any mediclaim policy, you need |
| medical services cash-less. Any standard health | | | | to know their process to make a claim. |
| insurance includes nursing, surgery, medicines, etc... | | | | 8. Keep your entire medical related document in |
| And the last question is - where to buy a health | | | | the same folder. If you lost your insurance card, |
| insurance? You can buy your mediclaim insurance | | | | then it is difficult get treatment from network |
| directly from a service provider or you can buy | | | | hospitals. |
| through their intermediaries. However, wait for a | | | | 9. Claim your amount in proper time, usually |
| while, before buying check the intermediaries are | | | | every company asked for the related documents |
| affiliated from IRDA (Insurance Regulatory | | | | within 30 days. You must submit your document |
| Development Authority) or not. | | | | before that. |
| Here is a brief how-to guide for buying insurance - | | | | 10. Before buying any health insurance check the |
| before going to purchase any health insurance, | | | | policy provides cash-less treatment facilities or not |
| you mast check following 10 steps. | | | | because the norms of cash-less mediclaim policies |
| 1. Make your mind up on how many family | | | | are different from others. |
| members that you want to include in your | | | | This is a small list of most popular health insurance |
| mediclaim policy. | | | | available in India - |
| 2. Make your mind up on how much insurance | | | | 1. STAR Health Medi Classic |
| coverage you need | | | | 2. IFFCO Tokio Individual Medishield |
| 3. Make a short research on similar services with | | | | 3. Bajaj Allianz Health Guard Policy |
| special features like critical illness or some other | | | | Finally, Your Rights! - In case of delay of your |
| features. | | | | claim or non receipt of your claim, you can |
| 4. Before buying any health insurance, you need | | | | directly communicate Consumer Grievance Cell of |
| to check one more thing, if your age more than | | | | the Insurance Regulatory and Development |
| 45 years; you need to undergo a medical checkup | | | | Authority (IRDA). They were specially taking care |
| including diagnostic tests. | | | | of those issues and resolve them as soon as |
| 5. Annual Renewal - is most important for health | | | | possible. |
| insurance, because the maximum number of | | | | |