Health Insurance

Making a claim at times can be very troublesome and tiring. Follow the below mentioned steps to submit a claim for your medical insurance policy.

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Before filing a claim, get the doctor to first provide you the itemized bill, which mentions all of the services you have received as well as their cost. Get the health insurance claim form from the insurance company and fill it with complete honesty. The insurance company will have listed down the instructions to be followed while filling up the form, including where you need to send it.

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Personal accidental insurance pays out a lump sum benefit should you suffer disability or pass away in an accident. In the event of an accident, follow the below steps to make a claim under personal accident policy:

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

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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.

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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 9th May, 2015.

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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.

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Under health insurance, there are generally two categories of deductibles: High deductibles and low deductibles. The deductible is the amount that the policyholder pays out of his/her own pocket before making a claim in the event of hospitalization. Let’s take a scenario to understand it better. The policyholder has chosen ₹1,000 as his/her deductible. Now in the event when the policyholder is hospitalized and the claim amount has come up to ₹10,000, s/he will first pay ₹1,000 and then make a claim.

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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.

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Health Insurance is a necessary policy for every age group, especially for those who are 60yrs & above. As the age increases the probability for suffering from Diseases/ Illness or Injury is higher. At the higher age, they can be prone to ailments like hypertensions, diabetes, heart problems, joint problems, etc. However, our parents never consider or feel there is any importance of opting for a Health Insurance.

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