Health Insurance

Health Insurance: Individual Mediclaim Policy

Individual Mediclaim policy is the plain vanilla mediclaim or health insurance policy for an individual. This kind of policy aids in securing individual expenses acquired due to any kind of medical em....

I might be laid off soon. Should I see my doctor before I lose my health insurance?

No purpose will be served by seeing your doctor. You should consult an insurance brokerage firm and buy a health insurance policy which should be in place 30 days before your last day in your present ....

Can I seek treatment at home and be reimbursed for it under health insurance?

It is possible in exceptional cases only when there is an epidemic and no beds are available in hospitals. You must take approval from Insurance Company while undergoing treatment -  otherwise yo....

Who will receive the claim amount under health insurance if the policyholder dies during the time of treatment?

Nominee will receive the amount if the policyholder dies during the time of.......

Will my health insurance coverage Clinical Trials?

We feel that if treatment is: Part of hospitalization in a reputed hospital like AIIMS, capable of conducting clinical trials under controlled conditions. Under supervision of a reputed doctor. Clin....

Does my Individual Insurance Policy cover mental health benefits (treatment for mental diseases)?

No, it does not cover treatment for mental diseases. We do hope that in the near future insurance companies will come out with innovative products which will cover.......

I have been covered by my husband's group health plan through his job, but now we are getting divorced. What will happen to my health benefits.

You will certainly lose out on the benefits. You should buy Health Insurance immediately out of your.......

Can I buy health insurance policy if I am not an Indian National but am living in India?

Yes, if you are a student studying in India or working on a valid work Visa then you can get the policy.   But if you are a tourist coming to India for 3 weeks, it will not be worthwhile to buy t....

Can I buy more than one Health Insurance policy?

Yes, you can buy more than one insurance policy but the claim should not be duplicated to two insurance companies. Under normal circumstances, the claim amount will be shared by both insurance compani....

What are the minimum and maximum policy durations for Health Insurance?

Normally it is 1 year. Some companies, however, offer 2 years also. Products offered by life insurance companies are of longer duration but payment is to be made every.......

Will the agent be helpful in settling health insurance claims in the future?

Yes, your agent will be helpful because he is getting 100% of his income from the insurance company and he may be getting .001 % of his income from you.   If he has to make a choice, it is natura....

Is there a mediclaim policy which is truly 100 percent cashless?

Yes, nearly 100% policies are cashless. You will appreciate that it can be cashless in case of planned hospitalization as well. Supposing you are involved in an accident and are taken to the hospital ....

Hi! are the new clinical and pathological tests, not available in India and done abroad covered under the mediclaim rules of the country? If no, are efforts being made in this regard?

You are only permitted by some insurance companies to take e-opinion. Your suggestion is very good and we feel Insurance companies will start offering the same. If Textile industry is permitted to get....

I already have a health insurance policy. Should I still buy a life insurance policy with the riders?

Health Insurance Policy covers your hospitalization needs. Life insurance covers your retirement needs. Adding of critical illness rider will take care of incidence of you getting critical illness lik....

Will the agent be helpful in settling of insurance claims in future?

Yes, your agent will be helpful but he is getting 100% of his income from the insurance company and he may be getting .001 % of his income from you. If he has to make a choice, it is natural that he ....

Who will receive the claim amount under health insurance if the policyholder dies during the time of treatment?

Nominee will receive the amount if the policyholder dies during the time of.......

I Am Unable To Work Due To Disability. What Are My Options For Health Coverage?

It depends on the disability. You should buy a health insurance policy. For example - if you are disabled due to poor eyesight, you may not be able to work but you may fall ill and need.......

Why should I buy a critical illness cover?

Critical Illness cover is for specific diseases like cardiac/cancer etc. Generally list comprises of 8 to 12 but in a specific company this may be as high as 35.On happening of the diseases lump sum p....

Which medical tests does an adult above 45 years needs to go through?

. It depends on the company. Generally it comprises of • Blood Tests • Urine Tests • ECG As the age progresses, the list increases. For 60/70 years, the list will comprise of extra.......

Is the Critical Illness policy just another name for the Mediclaim policy?

No both are very different.......