Health and medical care has become the necessity for every individual in today’s world. Everybody wants to have quality healthcare solutions. But huge treatment expenses prove to be a huge obstacle, and it keeps people away from the quality care that they really require. The above mentioned scenario has augmented the importance of mediclaim policies in India.
Large number of Indian citizens belong to the middle class society and thus, cannot afford the ever- increasing medical costs. But, this does not necessarily mean that they should end up with poor quality health care services. The only solution to their problem lies with Health insurance companies. They can pay a small premium amount and can get the required health cover through the various mediclaim policies that are available in India.
Mediclaim plans are hospitalization benefit plans that are offered by general and health insurance companies. Mediclaim plans ensure that your medical expenses are expensed, or reimbursed by the insurance company, in case you have to incur those during the coverage period. The best mediclaim policy takes care of medical expenses following hospitalization in case of sudden illness or any surgery. Insurance companies offer cashless hospitalization, where one can avail quality treatment for free. The payment would be settled by the insurer. This form of cashless hospitalization facility is only for in-patients and available only in the insurer’s network hospitals. Hence, the mediclaim policies in India have helped a great deal in providing a quality healthcare solution to the masses.
There are several myths related to medi- claims, which force the people to get diverted easily, hence, they do not choose the required mediclaim for themselves.
Mediclaims cannot be obtained easily
Medical Insurance can be bought through insurance companies directly or through intermediaries like Ideal Insurance brokers Pvt. Ltd.
People till a certain age can opt for such benefits
This is one of the most common myths that surround mediclaim. It is true that people above the age of 45years has to undergo some tests before obtaining mediclaim. And pre-existing diseases are not included before 4years.
Diabetic Patients do not receive mediclaim
People having diabetes do not get mediclaims in India because they result in losses for the insurance companies. However there are some insurance companies who have started providing mediclaims for diabetic patients as well.
People having Health issues do not get mediclaims
This is a common issue that needs to be resolved. This issue stems from the lack of awareness of people. Though mediclaim is better bought when you are healthy, but people with health issues also receive the benefits of mediclaim.
Problems faced during Claiming
Rahul Agarwal, owner of Ideal Insurance mentions that this arises from the lack of awareness of people about the documentation procedure of the claim. The process is tedious and there are tiny points to be checked before signing on the dotted line.
Housewives do not get mediclaims
Housewives do not have a fixed income but they can avail mediclaims.
Online Health Insurance is Different in service than offline
Things are going to go online even more now. Buying insurance form a person will have the same terms and conditions as buying it online as long as the policy is the same. If anything the premium may be lower for online policy since the agent is not involved and so his commission is not payable by the company. This benefit is passed onto you. It is perfectly fine to buy online policy as long as you will read the policy document carefully and you can always contact their customer care for clarifications.