Basic Guide To Mediclaim Policies In India

Mediclaim policies in India are growing rapidly in their offering and eligibility criteria

. Some of the best policies include plans that are extremely beneficial to the middle class. Of the many policies in the market, some of the latest offer lifelong renewal. Every year the mediclaim policy is automatically renewed. These compare favorably against the older ones that do not renew after a certain age. Some of these companies do not use a third party administrator, thus ensuring that the company personnel manage the claim processing and settlement. For some of the premium policies, there are Relationship Managers dedicated to the policy-holder, who are involved in the process right from hospitalization. In some cases, these relationship managers are medical doctors. The policies for emergency treatments while travelling abroad are covered under some plans.

Most of the health policies are flexible as these are personalized and support the medial expenses of an individual. Some policies extend to the spouse and the children; while some even extend to a joint family plan, are often favored in India. Maternity benefits are extended when the couple has been under the same policy for three continuous premiums. This plan extends up to two deliveries. In cases where the maternity benefit is available, the new-born is covered under the insurance cover until the tenure renewal. The premium policies for the children even include the vaccination and diet counseling. There are micro plans available, targeted and customized for the rural groups in India.

The basics of such a policy are now available with every major player in the market. Features like cashless treatment, free look period, wider range of covers, health check-ups on renewals, round the clock services and tax benefits are now some of the requirements that people look for while selecting a policy. The government of India does not enforce the free look period, but the better insurance providers go ahead and provide a free look period once a policy is issued. The online channels for these companies provide instant access to the general public.

Ultimately, all these policies work towards providing better medical care for the insured. Policy holders are better protected against the unforeseen circumstances. Under the aegis of the Indian government body of Insurance regulatory and Development Authority, various domestic and global health insurance providers are working towards a fair system of medical insurance for the country.

by: Cruse Loyle

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