Health Insurance

Health insurance claims can be made two ways – reimbursement claims and cashless claims.

In the event of an accident, knowing how to submit an insurance claim is the most essential thing. If your vehicle has been damaged in an accident, you must immediately notify your insurance company and the police. On being informed, the insurance company will send a surveyor to assess the loss.

Pradhan Mantri Suraksha Bima Yojana is a government backed accidental death and disability cover insurance policy. It is especially designed for those Indians who are living below the poverty line and cannot afford insurance. The plan was launched by Pradhan Mantri Narendra Modi on 9^th May, 2015.

Under the Old Age Pension scheme (IGNOAPS), those senior citizens who live below poverty line will be receiving a regular non-contribution pension that will help them take care of the essentials of life.

Mediclaim is a financial protection to individuals in the event of medical emergency. The policy gives reimbursement against the cost incurred on any of the pre-specified illnesses and surgery. Any individual is eligible for a mediclaim policy. However, if the individual is not an earning member, s/he needs a proposer to purchase the policy on his/her behalf. An individual plan and a family floater plan are the two major categories of medical insurance.