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A mediclaim policy or medical insurance is a health cover offering protection against standard hospitalisation expenses, including COVID-19 treatment, OPD, diagnosis, and more. Learn more about the benefits of mediclaim policy in this guide.
Reasons to Choose Care Health Insurance?
Health mediclaim is a classification of health insurance that helps us mitigate the monetary risk whenever we need financial assistance during sickness or urgent medical attention. Mediclaim policy covers your hospitalisation expenses and any specific ailments and treatments you incur. Mediclaim policies ensure financial protection against your sickness or accident up to the sum insured. So, to combat such a medical crisis, we offer mediclaim insurance plans that cover your risks and provide you with financial support whenever you need it.
You cannot predict health uncertainties, but you can stay prepared. But India's best mediclaim policy helps you stand strong during a medical emergency. A health insurance plan covers your medical expenses up to the sum insured and helps to avail the best possible treatment for yourself or your loved ones. Under this policy, you can cover yourself, your spouse, children, and dependent parents and opt for a cashless hospitalisation facility or reimbursement to settle the claim. It is the best mediclaim policy in India for investment that offers you class healthcare services without worrying about money. So, your farsighted approach, pragmatic planning, and mediclaim health insurance cover help you to stay in the pinkest of your health without financial stress.
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It is a comprehensive mediclaim in India that provides financial assistance during hospitalisation. With the best mediclaim policy in India, you do not need to arrange cash for your treatment. We settle your medical bills so that you can focus on your recovery if you have best mediclaim policy in India in place. Let's take a close look at key features and benefits of mediclaim:
Above mentioned features and benefits clearly communicates how Care mediclaim can be your saviour when need help the most.
Calculate your Mediclaim Premium now!
It is a saviour whenever you or your family face a medical emergency. It supports you without depletion of your savings. Read below the vital benefits of having the best medical policy for the family:
Understanding the importance of the best mediclaim insurance policy and the benefits of mediclaim for individuals and the family.
Due to the uncertainties of life and the constant rise in health care costs, mediclaim nowadays is essential for families and individuals. Knowing the best mediclaim policy in India is always safe before you decide to buy a medical claim policy. Read below what mediclaim covers.
Always aim to buy the best mediclaim in India such as Care mediclaim policy, so you don’t have to regret it later.
The medical conditions not admissible under a medical insurance plan are called exclusions. You can read below the exclusions under mediclaim.
Several types of mediclaim policies are available in India. Care Health Insurance offers comprehensive and customised mediclaim insurance policies that cater to your unique healthcare needs and help you access the best treatment. Let us understand the different types of mediclaim policies:
Care health insurance offers the most comprehensive mediclaim plans suiting your requirements. We also ensure that your mediclaim insurance premium is affordable so that it doesn’t burden your pocket and savings. Moreover, you can buy mediclaim online if you don’t want to experience hassle of communicating with agents.
Do you know a single-time hospitalisation can push your financial planning back? Why take a risk? If you have a family to care for, opt for a mediclaim plan now. And mediclaim for senior citizens is even more important if you want your elders to be secure. Read below how it is crucial:
Now that you know how mediclaim works, you can decide and make an informed decision that would only help you during unforeseen medical emergencies. Buy mediclaim policy today and be stressfree for coming years of your life.
Selecting a Mediclaim policy is one of the most crucial tasks you have to do for yourself and your family. Knowing what you want in your policy is important and helps you in life. See the factors below to Consider while selecting a mediclaim policy in India-
Coverage
The higher the coverage you opt for, the better. There is a direct correlation between the premium you pay and the coverage you receive. Some providers offer to cover more than the basic hospitalisation and pre-and-post-hospitalisation expenses.
Flexibility
Care Health Insurance allows you to recharge the sum insured, up to 100% of the original SI, if the amount gets exhausted. Look for such options that build useful flexibility into your plan.
Maximum Age to Renew
Care Health Insurance mediclaim policy ensures to stand by you even when you turn old. While looking for a healthcare policy, find one that offers you lifelong renewal. This option will keep you at ease in your elderly years.
Simple Claim Process
This factor is relevant, regardless of your age. Ensure you understand how the claim process works in advance so you save time and effort following up on a claim.
Day-care Procedures
Opting for a policy that also covers daycare procedures is wiser. We cover medical expenses if you undergo a daycare treatment which might not require you to stay hospitalized for 24 hours or more, and we cover over 540+ daycare procedures.
Mediclaim policy is absolutely simple to buy mediclaim online with us. Follow these simple steps to get mediclaim policy online hassle-free:
Mediclaim will protect you at any time when you face a medical emergency or any planned medical treatment for you or your loved ones. Choose a policy wisely so that you can avail the maximum benefits. You may find options to buy mediclaim online, but finalising what is best can be challenging, especially if you get a mediclaim policy for the first time. We list some vital factors you should consider when choosing or comparing mediclaim policies online:
Be careful when you buy mediclaim online, as there could be hidden terms and conditions to the plan you choose. Getting an online mediclaim policy and first-hand information regarding the plan you want to opt for is always convenient.
With us, claim under the mediclaim policy is quick and easy. You must inform our customer support team within 24 hours of hospitalisation during an emergency. For planned hospitalisation, you need to inform before 48 hours of hospitalisation. You can file the claim in two ways:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Step 1: Go to a listed in-network hospital. | Step 1: Submit your claim form along with other required documents. |
| Step 2: Fill out the proper forms at the insurance desk. | Step 2: You'll get an approval letter when your claim is verified. |
| Step 3: Send the completed form to our claim management team. | Step 3: Respond to queries raised by the claim management team. |
| Step 4: You'll get an approval letter when your claim is verified. | Step 4: Get approval from the claim management team. |
| Step 5: Respond to queries from the claim management team. You will receive communication about whether your cashless claim is approved or rejected within the standard TAT. | Step 5: Our claims team will contact you if there are specific reasons for rejecting your claim. |
Double-checking the mediclaim policy details before buying is necessary to avoid so that you don’t face any issues while getting a claim. Also make sure you read through your online mediclaim policy as well.
Disclaimer: Procedure can vary as per mediclaim health insurance product opted.
Look for hospitals around you
You can buy a mediclaim policy either online or offline. You will have to choose a company first. Your chosen company should be based on premium, cashless network and other benefits. One can also buy a Mediclaim policy by visiting the nearest branch of the chosen insurance provider.
You can port the mediclaim health insurance only at the stage of policy renewal. Intimation for porting is required 45 days before renewal. Inform your last insurer in writing for a porting, mentioning the name of the new insurer. Fill up our portability form with existing insurance details, submit the relevant documents, and make payment for mediclaim health insurance.
Note: NCB will not reduce if the claim amount exceeds 25% of SI under the add-on Care Shield. For details, refer to policy T&C.
Yes, you can modify the sum insured in the mediclaim policy; that shall be permissible only at the time of policy renewal. However, it can affect your premium amount. So, reading through the mediclaim policy details is important to understand better.
No, you cannot add and remove family members in your current mediclaim policy for the family. You can do it only at the time of policy renewal.
Accepting change in DOB is solely Care's discretion and may affect your premium. Therefore, providing the right birth date and other details when purchasing the mediclaim policy is advisable.
You can renew your mediclaim policy online and offline both, within the grace period of 30 days.
The minimum entry age to buy a mediclaim policy is 91 days to 4 years (with at least one insured member of 18 years of age or above) and 5 years on an individual basis, and the maximum entry age has no age bar, with lifelong renewability.
Yes, mediclaims cover accidents as well. However, you need to buy it as an optional benefit. Under this, you will get an additional sum insured for accidental hospitalisation.
Our various mediclaim policies and operation mediclaim cover dental treatment subject to policy terms and conditions.
Mediclaim insurance is recommended for everyone, especially in this age of rising medical inflation and increasing lifestyle diseases. It is a must for those who depend on their corporate health insurance and do not have a separate health cover. Anyone 18 years of age or above can purchase a mediclaim insurance policy for themselves or their loved ones.
Yes, you can buy mediclaim policy online while visiting our official website.
Yes, you will get coverage for alternative treatments like AYUSH.
Our indemnity-based products offer hospitalisation coverage for COVID-19. Do refer to the terms and conditions for more details.
A Cashless Mediclaim is an advantage offered by most healthcare providers. Under a cashless Mediclaim, medical bills are directly settled by the insurance company, provided the total bill amount falls within the assured limit, and the hospital is a network hospital. Thus, it is always important to buy the best cashless mediclaim policy.
As the name suggests, mediclaim policies act as health insurance that covers the risk of hospitalisation expenses if you travel to a foreign country.
The Floater mediclaim policy is a tailor-made plan for families. It is almost similar to individual health insurance, but the only difference is that mediclaim health insurance for families acts as an umbrella to cover your entire family.
Yes, you can port your mediclaim policy. You must approach the insurance provider where you wish to port your existing health insurance policy. The company will hand you documents, including your portability and proposal forms.
Mediclaim is a type of insurance that covers only hospitalisation-related expenses up to the sum insured, whereas Health insurance is a type of insurance that provides comprehensive coverage for medical costs and surgical expenses beyond more than hospitalisation.
In the mediclaim insurance claim process, the policyholder must avail of the coverage under a set of rules. At Care Health Insurance, we follow procedures to settle the claim. For a hassle-free claim settlement, you must inform our customer support team about your hospitalisation within 24 hours of emergency hospitalisation and 48 hours of planned hospitalisation.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly. Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of 31st March 2024
^^Number of Cashless Healthcare Providers till 31st March 2024
^10% discount is applicable for a 3-year policy
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