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You need to keep the following parameters in mind while selecting a suitable mediclaim policy:

• Premiums – The payments made towards Mediclaim policies differ between insurance companies, based on various parameters like age of the applicant, location, policy tenure, sum insured on maturity of the policy tenure, etc.
• Age – Suitable for individuals right from the age of 91 days to 65 years, though the terms and conditions regarding age vary between insurance companies.
• Cover for family – The unique option of one master premium enables you to ensure mediclaim for your entire family. Not just that, such a facility often makes you eligible for additional benefits and discounts on premium, based on the insurance company and policy you have opted for.
• Overseas mediclaim policies – Some mediclaim policies also cover you for emergencies that might occur when you are abroad, based on certain terms and conditions.
• Claims – While some insurance companies channel their claims through Third Party Administrators (TPAs), some others process claims in-house.
• Types – There are a wide range of mediclaim policies offered, which we will discuss later in the article.
• Tax benefits – Mediclaim insurance premiums are eligible for tax deduction under Section 80D of the Income Tax Act, 1961, Premiums up to Rs.25,000 on mediclaim premiums for self, spouse and dependent children. An additional tax exemption of up to Rs.25,000 is applicable on insuring parents and extends to up to Rs.50,000 for parents who are senior citizens.

While choosing a health insurance policy there are a few things which you should be ready with are:

• Maximum value an insurer will compensate you for complete total loss or theft of your bike
• Sum insured or coverage amount – Ensure that you consider future expenses too.
• Room rent – Check for the capping amount or criteria defined if applicable.
• Sub-limits or co-pay applicable – Check for the sub-limits applicable for some specific list of ailments or package treatments. Also check if the plan has copay feature.
• Network hospital list – Check for the list of network hospitals and try buying a policy which covers your regular hospital
• Policy wording – Most important thing to check before buying a policy is the policy wording. In case you are not sure about a certain term or condition you can always contact the insurer for clarification.

Some mediclaim policies that cover pregnancy in India are:

• Star Wedding Gift
• Max Bupa Heartbeat Plan
• Oriental Insurance Universal Health Insurance Scheme
• Apollo Munich Easy Health Individual Insurance Plan

Yes you can cancel a policy after you buy it. A free look period of 15 days is provided to you after buying a policy to understand the terms and conditions. In case there is any objectionable clause, you can cancel the policy and get a refund. Stamp duty, expenses on medical check-up and proportionate risk premium (the number of days that the insurance company was at a risk of bearing your health expenses) would be calculated while the premium amount is refunded. Refer to the policy termination or policy cancellation section in your policy wording to know the amount that would be refunded.

Group mediclaim policies are specifically designed for employers, who can opt for it for their employees on the payment of pre-determined premiums. This policy enables employers to cover their employees on specific hospitalization and other related expenses, as defined in the policy document of the insurance company. Employees can also avail tax benefits under such policies.

The following are the two types of cashless claims in mediclaim:

• Cashless claims – Fill up the Preauthorization Request Form with accurate information and submit it to your insurance company to initiate the claim settlement process.
• Cashless planned hospitalization – In the case of pre-planned hospitalization, you need to submit the completed Preauthorization Request Form at least 72 hours before your hospitalization. This enables the insurer to ensure a streamlined and seamless claim settlement.
• Cashless emergency hospitalization – For emergency hospitalization as a result of accident or critical illness, you are expected to present your mediclaim ID at the network hospital during admission. Further, the completed Preauthorization Request Form can be submitted within 4 hours of hospitalization to initiate the claim settlement process. Hence, it is essential for you to carry your mediclaim ID with you at all times.

Here’s how Coverfox simplifies the process of selecting a suitable mediclaim policy.

• Our online platform offers a comparative analysis of various mediclaim policies, offered by different insurance companies, which are aligned with your requirements. This ensures a convenient and hassle-free application process.
• We offer expert and unbiased advice for assisting you with the right decision, as per your needs.
• Coverfox is equipped with a dedicated customer service unit to assist you with all your pre and post-sales queries, including expert claims handling.
• The process involves minimal paperwork to ensure a quick and seamless buying experience.
• Convenient & Hassle-free application process clubbed with online platform for comparison and choosing the right plan.
• Expert & Unbiased Advice for assisting you with the right decision as per your requirements.
• Dedicated Customer Service Unit to tackle all your post-sales queries including expert claims handling.
• Minimal Paperwork to ensure hassle free and pleasurable buying experience.