Topic: Suggest me best mediclaim plan.

This message was edited 1 time. Last update was at 29/12/2009 14:12:15

Can any one please suggest me best mediclaim plan.i need a plan that will cover my family(dependent parents) with cashless facility.

Avijit,

The choice of the best mediclaim plan depends upon your personal situation. Depending upon your age, marital status, existing medical condition(s), different health insurers might have different plans that might appeal to you.

In any case, even if you have some form of health insurance from your employer, you must get some private health insurance as well.

The most impt thign to remember is that most mediclaim in India covers only hospitalization expenses. Check what are the additional riders that you can get along with the policy if any, and what kind of paymnent options exist, i.e., whether your expenses will be directly covered by the insurer or whether you will be re-imbursed at a later date.

Kartik

This message was edited 2 times. Last update was at 14/01/2010 14:47:46

The above contemplation reply is smart and doesn’t necessitate any further calculation. It is great thought from my side.
--------------
Sean Cruz

This message was edited 3 times. Last update was at 19/10/2010 11:23:59

If the age of your parents is below 60 , then you can take take any normal mediclaim policy.
In case if they are over 60 and below 70, there is a special senior citizen medilcaim policy available from the star health insurance.
You can go for that.

This message was edited 1 time. Last update was at 21/12/2009 10:32:37

Dear Sir,
1. Preventive health check-up
2. Inpatient treatment - FREE which cover all PRE-EXISTING DISEASE (Unlimited amount)
3. Age limit 80 years
4. And also you can avail more discount for your friends & relatives
5. 2 Lakh Accident policy (no extra amount will pay)
given all the above facility are available in the same company. Are you interest plz give me call or ur contact no.

Thanks
Ganesh Nadar
998758386

This message was edited 1 time. Last update was at 29/12/2009 13:26:02

Avijit wrote:Can any one please suggest me best mediclaim plan.i need a plan that will cover my family(dependent parents) with cashless facility.

Dear Sir,
1. Preventive health check-up
2. Inpatient treatment - FREE which cover all PRE-EXISTING DISEASE (Unlimited amount)
3. Age limit 80 years
4. And also you can avail more discount for your friends & relatives
5. 2 Lakh Accident policy (no extra amount will pay)
given all the above facility are available in the same company. Are you interest plz give me call or ur contact no.

Thanks
Ganesh Nadar

Go for kalaignar Kaapeetu thittam,if you are in Tamilnadu.
Most of the illness related hospitalisation are available free of cost

This message was edited 1 time. Last update was at 01/01/2010 18:38:42

Check with any ICICI bank agent, they have few very good mediclaim plans.

cheers, Vijay
www.worldofmoney.in (Good deals from all over India)

Avijit wrote:Can any one please suggest me best mediclaim plan.i need a plan that will cover my family(dependent parents) with cashless facility.

Go for Max Bupa Heartbeat Silver health plan which provides you a mediclaim which support to tackle medical expenses for you and your family. Its cashless facility across partner hospitals is designed to give you absolute peace of mind, while also allowing you to save on tax (under Section 80D).
Check out http://www.maxbupa.com/ForYouYourFamily/Heartbeat/HeartbeatSilver.aspx

This message was edited 1 time. Last update was at 28/01/2011 18:31:20

Max Bupa offers various flexible health plans. Its “Heartbeat Health Insurance” has two family oriented plans: “Family First” & “Family Floater” and one plan for individual. It provides cashless facility at good hospitals. Both the family based plans are flexible so you can choose an affordable health insurance plan according to your health needs and budget.

Avijit wrote:Can any one please suggest me best mediclaim plan.i need a plan that will cover my family(dependent parents) with cashless facility.

will u plz suggest best mediclaim plan for family
Kiran Phalke
09769320591

Avijit wrote:Can any one please suggest me best mediclaim plan.i need a plan that will cover my family(dependent parents) with cashless facility.

pls gentlmen...the agents are taking you for a royal ride...nobody should take the traditional insurance like endowment plans...and even the latest ULIP is nothing but a fraud.

send me a plan which includes best offers and investments for mediclaim

The concept of Mediclaim and Health Insurance Policy came in to the market. Buying a right Health Insurance Policy or Mediclaim is also as important decision. So search out there and ask some agents that could guide you better.

Buying a Mediclaim health policy depends upon many factors which includes the life of your parents and your financial status.

[size=18]Senior Citizen Red Carpet[/size]
Turning sixty is a major milestone. On the one hand, people tend to
find more time for matters they couldn't adequately attend to during
their years of career preoccupation. On the other, there is mounting
anxiety about health. Yet, health insurance policies have hardly been
available to address their needs. Star Health is proud to introduce
India's first health insurance policy as a salute to our senior
citizens. It provides cover for anyone over the age of 60 and permits
entry right up to the age of 69 with continuing cover after that. It
is our way of caring for a generation that has done so much to build
the country.

Major Product Features
This Health Insurance Plan from Star Health is unique among Senior
Health Insurance Policies and extends benefits of Hospitalisation
Cover as well as Post Hospitalisation Cover.
For people aged between 60 and 69 years
Guaranteed renewals beyond 69 years
No pre-insurance medical test required
Treatment at network hospitals only
All pre-existing diseases are covered from first year, except those
for which treatment or advice was recommended by or received during
the immediately preceding 12 months from the date of proposal
Disease for which treatment or advice was recommended by or received
during the immediately preceding 12 months from the date of proposal
will be covered from second year onwards

Policy Premium Including Service Tax
Sum Insured(Rs) Premium (Rs)
1,00,000 4,908
2,00,000 9,326
3,00,000 14,229
4,00,000 17,097
5,00,000 19,854

Senior Health Insurance Policy Red Carpet Benefits Hospitalization Cover: In-patient hospitalization expenses for a
minimum of 24 hours. Includes room rent and boarding @1% of sum
insured subject to a maximum of Rs. 4,000/- per day.
ICU expenses per day @ 2% of sum insured
Nursing expenses
Surgeon's fees, consultant's fees, Anesthetist's and specialist's
fees, per illness @ 25% of sum insured
Cost of blood, oxygen, pacemaker
Cost of drugs and diagnostic tests @ 50% of sum insured per hospitalization
Cataract (both eyes included), up to Rs.15,000/-
Emergency Ambulance Charges for transporting the Insured Person to
the Hospital @ Rs.600/- per hospitalisation and Rs.1200/- per Policy
period

Sum Insured(Rs) Limit of Company’s Liability (Rs.)
Treatment for Cardiovascular Diseases / Cerebrovascular
Accident/Cancer and breakage of Bones Renal Complications All other
Major Surgeries
1,00,000 75,000 75,000 60,000
2,00,000 1,50,000 1,50,000 1,20,000
3,00,000 1,60,000 1,60,000 1,30,000
4,00,000 1,70,000 1,70,000 1,40,000
5,00,000 1,80,000 1,80,000 1,50,000

Post-Hospitalization
Post-hospitalization - a lumpsum calculated at 7% of the
hospitalization expenses (excluding room charges), subject to a
maximum of Rs 5,000 is payable.

Tax benefits in Senior Health Insurance
Amount paid by any mode other than cash is eligible for relief as
provided under Section 80 D of the Income Tax Act

What cannot be claimed?
Treatments currently availed or availed during the previous 12 months
from date of proposal
Any expenses incurred for treatment of illness/disease/sickness
contracted by the insured person during the first 30 days from the
commencement date of the policy
First year exclusions: Hernia, Piles, Hydrocele, Congenital Internal
disease/defect, Sinusitis, Gall Stone/Renal Stone removal and Benign
Prostrate Hypertrophy
First Two-Year Exclusions: Hysterectomy, Cataract, Joint/Knee
Replacement surgery(other than caused by an accident), Prolapsed
Intervertebral Discs, Varicose Veins, Ulcers
Naturopathy treatment
Expenses which are purely diagnostic in nature with no positive
existence of any disease
Expenses for treatments that are mainly cosmetic in nature
50% co-payment applicable for pre-existing diseases/conditions
30% co-payment applicable for all other claims

Claims Procedure
Call the 24-hour helpline 1800 425 2255 for assistance
Inform the ID number/policy number for easy reference
In case of a planned hospitalisation, please inform 24 hours prior to
admission into the hospital
In case of emergency hospitalisation, information to be given within
24 hours after hospitalisation
At non-network hospitals, payments must be made upfront and then
reimbursement will be effected on the submission of documents

Star Advantages
No Third Party Administrator; direct in-house claims settlement
Faster & hassle-free claim settlement
Cashless hospitalization
Network of more than 4700 hospitals across India
24x7 Toll- free Helpline
Free General Physician Consultation over phone. Doctors on duty 24x7.
By quoting the policy number, any person can contact our Doctor on the
toll free number 1800 425 2255 for medical advices.
Free Health magazines are issued to policy holders at regular intervals

NOTE:The benefits and exclusions mentioned herein are only an outline
of the policy details, please contact
Tanmoy roy choudhury
9883323929
9830492604.

Family Health Optima from Star Health is a health insurance plan that gives protection for the entire family on the payment of a single premium under a single sum insured. The sum insured floats among the family members insured. It's just one more way to tighten the family bonds.
A Super Saver Policy
Single Sum Insured
Wider Coverage
Coverage for entire family
Single premium
Considerable saving in premium as the family is covered under one policy.
Who Can Take This Insurance?
Any persons aged between 5 months and 65years, residing in India, can take this insurance.
Family Includes
Proposer, spouse, dependent children upto 25 years (those who are economically dependent on their parents)
Pre- Medical screening
Persons above 45 years may be required to undergo pre-acceptance medical screening at the Company nominated centers.Cost of which is borne by the Company at present.
Pre-Existing Diseases / Illness
Are covered after 48 months of continuous Insurance with any Indian Insurance Copmany.
Policy Benefits
Hospitalisation Cover Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges as per policy condition.
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees.
Cost of Medicines and Drugs
Emergency ambulance charges up-to a sum of Rs. 750/- per hospitalization and overall limit of Rs. 1,500/- per policy period for transportation of the insured person.
Day Care Procedures
The 24 hrs Hospitalisation Limit is not applicable for 101 Day Care procedures listed in the policy conditions
Treatment of Cataract
Expenses incurred on treatment of cataract are limited to as per the following table
For Sum Insured Rs 100000/and 200000/ the limit will be Rs 12000/ for the entire policy period
For Sum Insured Rs 300000/,400000/and 500000/ the limit will be Rs 20000/in respect of one eye and Rs30000/for entire policy period
For Sum Insured Rs 1000000/ and 1500000/Lakhs the limit will be Rs 30000/in respect of one eye and Rs40000/for the entire policy period.
Pre and Post Hospitalisation
Pre-hospitalization medical expenses upto 30 days prior to the date of admission.
Post-hospitalizationn - a lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000/- is payable
How much to pay?

Star Advantages No Third Party Administrator direct in-house claims settlement.
Faster & hassle-free claim settlement.
Cashless hospitalization. Whereever possible
Network of more than 4900 hospitals across India
Free expert medical consultation over phone
24 x 7 Toll Free Helpline

[b][b]E-mail starhealth.behala@gmail.com
or call 9883323929, 9830492604

http://www.divyabhaskar.co.in/http://www.divyabhaskar.co.in/

http://www.divyabhaskar.co.in/http://www.divyabhaskar.co.in/http://www.divyabhaskar.co.in/http://www.divyabhaskar.co.in/

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