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u cannot take medicalim policy for ur sister alone it can be combined with ur father or mother or ur father,mother,sister and with you if u are below 25 years.
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i think u have combined investment and health coverage.
If you have already taken any mediclaim policy wihch offers cashless hospitalisation benefits, then it is ok.
although i personally feel you can invest better in some oahers, apart from ur health insurance premium.
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Premium cannot be increased in the middle of the policy period.
Premium can be increased at the time of renewal
If there is a claim during the past year
if there is no claim, you may get discount on premium or getting cumulative bonus
depends on the age slab for premium calculation
If there is any change in the service tax rate,
premium can also be revised generally with the approval of IRDA
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There is special senior citizen mediclaim policy from star health insurance for the age above 60 and below 70. policy will be given without any medical test. coverage of 1 lac and 2 lac available.
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Normally maternity benefit is not covered under any health insurance or mediclaim policies at present. except through Group medclaim policy.
there are new policies by some compnies like ICICI, Star health which introduce mediclaim policy with op benefits, where in you get some benefit.
Apollo dkv is giving polies some waiting period.
you have to look into the premium and decide.
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health insurance premium normally 1 year policy. hence it has be renewed every year.
Normally premium will change depending upon the age of the person in the slab. below 35 years, 36-45 years, 46-55 years-, 55-65 years.
If you are crossing the slab the premium will change and otherwise it is same., depending the policy.
since now a days most companiesinstead of giving cumulative bonus for no claim, give discount on the premium while renewal if there is no claim in previous year.
But there may be service tax change intorduced by govt. which will effect premium change eigher upward/down wards.
There may also be premium change with the approval of the IRDA.
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Almost all companies willing to give mediclaim policy for this age.
Covers starts from 50,000/ Or 1 lac to a maximum of 5 lac or 10 lac depending upon the company.
premium depends upon the age and wheather you want to take for the male servant or to his family also(wife and children, if he has)
for 50,000 cover it comes around 645 and for 1 lac cover may cost 1300. approximately. for individual policy.
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you can take two family floater policy one covering yourself and your wife, premium for 3 lac covers comes around 4400/
other one covering your parents, and the premium for 2 lac cover comes around 6200/ .
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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.
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We have to find out the policy suibale to our requirement/needs, which has to be fulfilled. there are several policies available in the market. although more or less they are same, they will vary in certain terms conditions.
if we are particular about one need then we have to find the policy wheather it is fulfiled in the normall mediclaim policy itself, (if so we can take any of them) or else we have find athe policy which fulfills the need/requirement of us.
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YogeshKumar wrote:please advice
Normally It is always better and advisable to take family floater mediclaim, as with single policy you manage all. with reduced premium.
But you you have to look out the age of the persons and consult the advisor regarding this. He will advise the best possible combination. wheather to take individual or family policy.
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1. You can take Individual mediclaim policy for 52 years old / and special senior ctizen for 62 years, as no pre medical test is required for the senior citizen policy.
2. it is always better to take health insurance or mediclaim/ with critical ill ness rider. few companies offer them
3. simple mediclaim is taking care of critical illness also.
4. there is no necessaity/ no use to take two policy rom two companies. it is unnecessary. you can take take top up policy instead.
5. normally family floater health insurance policy is available upto 60 years/ few companies offer upto 65 years with high premium.
you have to analyse the premium rates and see which is cheaper to take floater or take individually. depending upon the company/plan/etc.
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mediclaim covers the hospitalisation expenses( min of 24 hrs) caused by illness or accident . it may be by terrorist attackor any other thing. but only medical expenses are covered.
no Death benefit.
U have to take personal accident policy to cover these.
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normally all health insurance companies say that continuous renewal up to 70 years/ 80 years. depending upon the company. no insurer will guarantee renewal till the death, if it happens beyond 80 years.
Apollo DKV insurance is one of the only two Exclusive Health insurance company in India.
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Do not deposit the amount in single scheme. Instead split in to various options.
first take mediclaim policy, in case if You have not yet taken, since U have some problems.
Then u can can invest in Bank Fd, Lic policy like Jeevan aastha, ulip pension policy with secure/balanced option, in sip or periodically.
u can also think of NSC and safe mutual funds.
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yes under sec 80c up to 1,00,000
Download free income tax calculator
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you may be approximately paying a tax of around 9000 rupees. do save that you can save under 80c rupees72000in lic premum,nsc, elss ,etc and also in mediclaim for your family/parents. then only you pay nil tax.
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you can log in to licindia.com and register your policies . and from then onwards you can see the status online
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If you are looking for group mediclaim policy with standard feature if the age of all the members is below 35 years , the premium may be coming around 34,000 to 4000o rupees approx annual premium.
If you want to add more feature in your group policy the premium will be revised accordingly.
for example
1. you can decide to cover your spouse,children
2. cover can be starts from the inception of the policy.
3. Normal Ist year exclusion can also be covered
4. normal two year exclusion can also be covered.
like that if you can add on features. but for every feature, your health insurance premium will be revised upward accordingly.
for a small group , it is advisable to accept standard medicalim policy.
Group Accident insurance also can be taken along with your Group Mediclaim.
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Family Health Optima Benefits
• Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take health insurance for each member separately for separate sum insured
• Thus there is considerable premium saving
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on Premium is allowed on renewal of the health insurance policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is below 35 years
for 2 adult + 2 child,
the premium for a cover for 2 lac is 3455, 3 lac is 4310, 4 lac is 5645 and 5 lac is 6875. Service tax 12.36% etc.
Tax Benefit
• Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call the 24 hour help-line to register the details of hospitalization.
• Kindly mention your ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this insurance
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Family Health Optima Benefits
• Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured
• Thus there is considerable premium saving on the health insurance policy.
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is below 35 years
for 2 adult
the premium for a cover for 2 lac is 3247, 3 lac is 4478, 4 lac is 5837 and 5 lac is 6652..
Tax Benefit
• Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call the 24 hour help-line to register the details of hospitalization.
• Kindly mention your ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this health insurance policy
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for a company wanting take group medicalim policy for its employees, first decide how much premium you can afford to pay annually, what is sum insured going to be opted, whether you like to cover th employee alone or also want to cover their family members, if so, what are are the family members going to be covered in offering group medicalim. employee& spouse,employee& spouse & child 1 or child 1&2.
classify you employees according to their age.
Age wise distribution may be given
like
no of employees below 35 years,
no of employees between 36-45 years.
no of employees between 46 to 55 years
no of employees between 56 to 6o/65 years.
Whether you want to take the standard mediclaim policy , or tailor made policy suitable according to your requirements.
if so what are the requirement
like
coverage starts from day first onwards.(Normally after 30 days except in accident)
like that...
approach any advisor or general insurance company they will guide more.
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please post the age of all the members in your family, so as to get a better suggestion
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even though family floater policy is available up to 60 years, you an floater policy. after that it has to be converted into individual policy.
so now onwards you can individual mediclaim policy for you and your wife.
Mediclassic Insurance policy
The Medi Classic insurance policy aims to provide reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and / or accidental injuries.
Benefits:
• Hospitalization Cover - In-patient hospitalization expenses for a minimum of 24hours. This includes room rent & boarding @ 2% of sum insured subject to a maximum of Rs.4000/- per day.
• Nursing expenses.
• Surgeon's fees, Consultant's fees, Anesthetist's fees.
• Cost of blood, oxygen, diagnostic expenses, cost of pacemakers.
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the insured patient to the hospital @ Rs.750/- per hospitalization and Rs.1500/- per policy period.
• Pre-hospitalization medical expenses up to 30 days prior to date of admission into the hospital.
• A lump sum calculated at 7% of the hospitalization expenses payable towards post - hospitalization , subject to a maximum of Rs.5000/- per occurrence as per the policy.
• Non-allopathic treatments up to Rs. 25,000/- per occurrence, subject to a maximum of 25% of Sum insured per policy period.
• No claim discount ranging from 5% to 25% for every Claim - free year (except for the Family Package).
Premium
• You have to submit Two Passport size photo, Application form, Age proof Xerox etc along with the payment by cheque / DD.
• Premium depends upon the age of the person and the sum insured opted.
What Cannot be claimed
• Expenses incurred for treatment of any illness/disease/condition, which is pre-existing at the time of commencement of health insurance.
• Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement of the policy.
• First Year Exclusions- Hernia, Piles, Hydrocele, Congenital internal disease/ defect, Sinusitis, Gall Stone/Renal Stone removal/ treatment, and Benign Prostrate Hypertrophy.
• Two Years Exclusions - Hysterectomy, Cataract, Joint / Knee replacement surgery (other than caused by an accident). Prolapsed intervertibral Disc.Varicose veins/ulcers.
• Naturopathy treatment. Expenses, which are purely diagnostic in nature with no positive existence of any disease. Expenses that are mainly cosmetic in nature
Thanks for Contacting us. Feel free to contact us for any details/clarifications.
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Family Health Optima Benefits
• Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured
• Thus there is considerable premium saving
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on health insurance premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is below 35 years
for 2 adult + 2 child,
the premium for a cover for 2 lac is 3455, 3 lac is 4310, 4 lac is 5645 and 5 lac is 6875. Service tax 12.36% etc.
Tax Benefit
• Premium paid by cheque /credit card for this health insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call the 24 hour help-line to register the details of hospitalization.
• Kindly mention your ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this insurance
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There are number of companies offering mediclaim policy. You have to decide whether to take policy for your self or for your whole family, what is the age of the family members, family size, how much cover you want.
If you want to a take individual medclaim policy, then if you are young and without any health problems then you can take from any company that will be picked by you.
if you want to go for family policy, select the companies that offer family floater policy, a single policy covering your family members,sum insured floats for them, premium may depends upon the highest age of the family members.
so choose a combination of your family so that premium is lower.
But take Mediclaim policy.
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Family Health Optima Benefits
• Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured
• Thus there is considerable premium saving
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is 54 years
for 2 adult
the premium for a cover for 2 lac is 6219, for 3 lac is 8545 like that.
Tax Benefit
• Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call the 24 hour help-line to register the details of hospitalization.
• Kindly mention your ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the health insurance policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this health insurance
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Family Health Optima Benefits
• Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured
• Thus there is considerable premium saving
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is 40 years
for 2 adult + 1 child,
the premium for a cover for 2 lac is 3994, for 3 lac is 5427, like that
Tax Benefit
• Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call the 24 hour help-line to register the details of hospitalization.
• Kindly mention your ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this insurance
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post the age of all the members in your family to get better suggestion.
if the age of all members is below 60 years and your self and your brother is below 25 you can take a single family floater mediclaim policy covering all the four.
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you can individual mediclaim policy for your self and also separately for your mother policy cover from 1 lac to 10 lac available.
premium 1348 for 1 lac cove, etc like that for you
premium 3371 for 1 lac cover for your mother like that.
for your father you can take special senior citizen policy giving a cover of 1 lac and 2 lac receptively, premium 5000 and 9500 respectively.
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you can take individual mediclaim policy for yourself and your mother
or \
you can also take family floater policy for yourself and your mother.
for your father you can take a special senior citizen policy covering the persons age above 60 and below 70. policy of 1 lac and 2 lac available. premium 5000 and 9500 respectively.
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you can take family policy if the age of the family members is not above 60 and dependent children not over 25 years.
health check up not necessary for age below 45 years / 50 years / 55 years, depending upon the health insurance company.
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for your mother,
if her age is above 60 you can take the special policy for the senior citizen, which covers persons age above 60 and below 70. policy cover of 1 lac and 2 lac available. premium rs 5000 and 9500 respectively. No pre medical test is required.
if her age is below you can take individual mediclaim policy. policy covers from 1 lac to 10 lac available.
premium 3371 for 1 lac , 5955 for 2 lac cover like that.
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post the age of all members in your family to get better suggestion. you should go through the family floater mediclaim policy details.
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Family Health Optima Benefits
• Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured
• Thus there is considerable premium saving
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is below 35 years
for 2 adult + 1child,
the premium for a cover for 2 lac is 3702, 3 lac is 4708 like that.
Tax Benefit
• Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call the 24 hour help-line to register the details of hospitalization.
• Kindly mention your ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this insurance
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For Your Father , you can take special senior citizen red carpet insurance, which gives cover for 1 lac and 2 lac and the premium for this is Rs. 5000/ and Rs.9500/ respectively. No premedical test is required. Health insurance policy will be completed and issued.
For Your Mother , . policy cover from 1 lac to 5 lacs.
you can take individual mediclaim policy (mediclassic). premium 2749 for 1 lac cover , 5149 for 2 lac cover, like that.After submitting all, she will asked to undergo medical test to the designated centre in your city and after getting report directly from the centre policy will be completed and issued.
You have to submit health insurance application form,two passport size photo, age proof xerox copy (of certificate,voter ID, ration card, etc),payment by DD/Cheque.
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If the age of yourself and your sister is not above 25 years, and your parents age is not above 60 then you can take the family floater health insurance policy
Family Health Optima Benefits
• Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured
• Thus there is considerable premium saving
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Post the age of all the members in your family to get the exact premium.
Tax Benefit
• Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call the 24 hour help-line to register the details of hospitalization.
• Kindly mention your Star Health ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected by on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this insurance
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Family Health Optima Benefits
• Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured
• Thus there is considerable premium saving
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is below 45 years
for 2 adult + 1 child,
the premium for a cover for 2 lac is 3555 3 lac is 4830 , like that. Service tax 12.36% etc.
Tax Benefit
• Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call 24 hour help-line to register the details of hospitalization.
• Kindly mention your Star Health ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this insurance
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Family Health Optima Benefits
• Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured
• Thus there is considerable premium saving
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is below 35 years
for 2 adult + 1child,
the premium for a cover for 2 lac is 3455, 3 lac is 4310, etc.. . Service tax 12.36% etc.
Tax Benefit
• Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call the 24 hour help-line to register the details of hospitalization.
• Kindly mention your Star Health ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this insurance
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Family Health Optima Benefits
• Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured
• Thus there is considerable premium saving
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Tax Benefit
• Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call the 24 hour help-line to register the details of hospitalization.
• Kindly mention your Star Health ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected , on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this insurance
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If age of both of your parents are above 60 and below 70 , you can take special senior citizen red carpet insurance, which gives cover for 1 lac and 2 lac and the premium for this is Rs. 5000/ and Rs.9500/ respectively.
If the age of both of your parents are below 60 years , then you can take family floater policy , single policy, single premium covering two of them, plus your self premium depends upon the highest age of your parent. policy cover from 1 lac to 5 lacs.
If the one of your parents is above 60 and below 70, then for him you can senior citizen. If the age of your father or mother is below 60 then you can take individual mediclaim policy (mediclassic). premium depends upon the age of the person and the sum insured opted or family floater policy combining your self and your mother whose age may be below 60.
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If age of both of your parents are above 60 and below, you can take special senior citizen red carpet insurance, which gives cover for 1 lac and 2 lac and the premium for this is Rs. 5000/ and Rs.9500/ respectively.
If the age of both of your parents are below 60 years , then you can take family floater policy , single policy, single premium covering two of them, premium depends upon athe highest age of your parent. policy cover from 1 lac to 5 lacs.
If the one of your parents is above 60 and below 70, then for him you can senior citizen.If the age of your father or mother is aboe 70 or below 60 then you can take individual mediclaim( mediclassic ) policy. premium depends upon the age of the person and the sum insured opted.
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your term insurance for 50 lakhs for 30 years annual premium may comes around approximately 19,500/ lic amulya jeevan policy
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you can invest in ELSS mutual funds like sundaram tax saver, sbi magnum tax gain etc. where in you can gain tax benefit also with the benefit of appreciation of stock (mutual funds) depending upon the market situations.
if you want to get tax benefit,benefit of investing in stocks/mutual funds and also athe lif insurance coverage you can go for ULIPs.
you can choose according to your requirements.
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you can register and also your policies with www.licindia.com and you can always check on that website online status of your policies.
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You can family floater policy , covering all your family members in one single policy, single premium, sum insured floats for the entire family.
Premium depends upon the age of the highest age of the family member,size of the family, the sum insured opted.
always post the age of all the family members to get better suggestion from the forum.
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the health plan you may take depends upon the age of your father and mother.
Always post the date of birth or age of the persons to get better suggests from the forum.
If the age of both your father and mother is below 60 years, they can take family floater policy covering bother your parents in single policy, single premium.. premium depends upon the highest age of the family member.
if age of your father or mother is above 60 and below 70, you may go for a special mediclaim policy for senior citizens which gives a cover for 1 lac and 2 lac . the premium is rs 5000/ for 1 lac cover and 9500/ for 2 lac cover. the policy has to be taken individually.
if it is not possible for to take family floater policy since one of the age your father or mother is above 60 years, then you can take senior citizen policy for the the person age above 60 and below 70, and take individual mediclaim policy for the person who is below 60 years.
you may have to submit application form, two passport size photo, age proof xerox copy, along with premium amount by cheque//DD. your parents may have to undergo medical test ithe the age of the person is above 50 years. not required for the special senior citizen policy.
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there is individual mediclaim policy as well as Family floater policy available. In the family floater policy, the premium depends upon the highest age of the family members.
So you can family floater policy for yourself,your wife and for your two kids. cover from 1 lac to 10 available. Premium for 2 adult and 2 children, for your age is Rs 3675/ for 2 lac cover and Rs 5110/ for 3 lac cover like that. 12.36% service tax etc.
And you can take separate mediclaim policy for your mother. If the age of your mother is above 60 and below 70, you can go for special mediclaim policy for senior citizen red carpet insurance. otherwise you can take individual mediclaim policy for your mother.Premium for senior citizen policy is rs 5000/ for 1 lac cover and Rs 9500/ for 2 lac cover. and the premium for individual mediclaim policy depends upon the age of your mother.
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Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
Normally policy cover available from 1 lakh to 5 lakh. even up to 10 lakh.
Premium has be paid annual.y and the policy has to be renewed evey year.
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you can get individual mediclaim policy
with a cover from 1 lakh to 5 lakh. or upto 10 lakhs. depending upon the insurance company.
some companies also give cover for 50,000/ also.
if you look for lowest premium then reliance, star health, royal sundaram insurance may suits You.
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They can take Family floater policy if therir age is below 60 years,
or
they can individual mediclaim policy for both,
or if their age is above 60 and below then they can take special senior citizen mediclaim policy,
Post the age of your parents if possible with date of birth to get better suggestion
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Family Floater Policy
.Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. For persons above age 50, medical test is required and the medical examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference.
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Family Health Optima Benefits
• Hospitalisation Cover: This would protect the insured person for in-patient hospitalisation expenses for a minimum of 24 hours. These expenses include room boarding expenses to a maximum of Rs.1500 per day in Class A cities, Rs.750/- in Class B cities or Rs.500/- in other locations
• Nursing expenses
• Surgeon's fees, Consultant's fees, Anesthetist and Specialist fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace makers etc
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the covered patient to the hospital up-to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
Additional Benefits
• The sum insured floats among the family members insured. In other words there is no need to take insurance for each member separately for separate sum insured
• Thus there is considerable premium saving
Family Includes
• Family would mean proposer, spouse, dependent children upto 25 years and those who are economically dependent on their parents
Pre and Post Hospitalisation cover
• Pre-hospitalisation medical expenses up to 30 days prior to the date of admission or post-hospitalisation calculated at 7% of the hospitalisation expenses (excluding room rent) subject to a maximum of Rs.5000 is payable.
Discount
• A discount of 10% on Premium is allowed on renewal of the policy if there is no claim in the immediately preceding year of the policy. This discount is not cumulative
How much to pay?
Age of the oldest family member covered should be taken for premium calculation
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is below 35 years
for 2 adult + 2 child,
the premium for a cover for 2 lac is 3455, 3 lac is 4310, 4 lac is 5645 and 5 lac is 6875. Service tax 12.36% etc.
Tax Benefit
• Premium paid by cheque /credit card for this insurance is eligible for relief under section 80D of the IT Act.
Claim Procedure
• Call the Star Health 24 hour help-line to register the details of hospitalization.
• Kindly mention your Star Health ID number for easy access to your policy details.
• In case of a planned hospitalisation, please register 24 hours prior to admission to the hospital
• In case of emergency hospitalisation, please regiser within 24 hours of hospitalisation
• In all network hospitals, the cashless facility on payments can be availed
• For treatment in non-network hospitals, payments must be made up-front to the hospital. Reimbursement of the expenses will be effected by Star Health, on submission of the necessary documents.
Exclusions
• Expenses incurred for treatment of any illness/ disease/ condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness/ disease/ sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Second Year Exclusions – Hysterectomy for Menorrhagia or Fibromyoma, Cataract, Knee Replacement Surgery (other than caused by an accident), Joint Replacement Surgery (other than caused by an accident), Prolapsed Intervertebral Disc (other than caused by an accident), Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses those are mainly cosmetic in nature
• Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than Allopathic
• Expenses incurred for treatment of congenital disease/defects/anomalies
• For a detailed list of exclusions please refer policy conditions
Eligibility
• Any person aged between 5 months and 60 years residing in India, can take this insurance
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please post the age of your parents with date of birth if possible , so that you can get better suggestion.
They can be cover under Family floater policy if their age is below 60 years,
otherwise they can be covered under Individualmediclaim policy,
if their age is above 60 and below 70 there is special senior citizen policy available.
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Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is below 35 years
for 2 adult + 2 child, the premium for a cover for 2 lac is 3455, 3lac is 4310, 4 lac is 5645 and 5 lac is 6875. Service tax 12.36% etc.
You can family floater policy covering yurself and your parents.
you can take for your brother.
Your parents may be the proposer for the mediclaim policy. then they can take for them as well as covering you and your brother, a single policy covering all. ( your father,mother, yourself, your brother.)
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
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You can Individual mediclaim policy for both your parents.
The Medi Classic insurance policy aims to provide reimbursement of hospitalisation expenses incurred as a result of illness/disease/sickness and / or accidental injuries.
Benefits:
• Hospitalisation Cover - In-patient hospitalisation expenses for a minimum of 24hours. This includes room rent & boarding @ 2% of sum insured subject to a maximum of Rs.4000/- per day.
• Nursing expenses.
• Surgeon's fees,Consultant's fees,Anaethetist's fees.
• Cost of blood,oxygen,diagnostic expenses, cost of pacemakers.
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the insured patient to the hospital @ Rs.750/- per hospitalisation and Rs.1500/- per policy period.
• Pre-hospitalisation medical expenses up to 30 days prior to date of admission into the hospital.
• A lumpsum calculated at 7% of the hospitalisation expenses payable towards post-hospitalisation,subject to a maximum of Rs.5000/- per occurrence as per the policy.
• Non-allopathic treatments up to Rs. 25,000/- per occurence, subject to a maximum of 25% of Sum insured per policy period.
• No claim discount ranging from 5% to 25% for every Claim - free year(except for the Family Package).
Optional benefits on payment of additional premium
• You have to submit Two Passport size photo,Applicatin form, Age proof Xerox etc.
What Cannot be claimed
• Expenses incurred for treatment of any illness/disease/condition, which is pre-existing at the time of commencement of insurance.
• Any expenses incurred for treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement of the policy.
• First Year Exclusions- Hernia,Piles,Hydrocele,Congenital internal disease/defect,Sinusitis,Gall Stone/Renal Stone removal/treatment,and Benign Prostrate Hypertrophy.
• Two Years Exclusions - Hysterectomy,Cataract,Joint/Knee replacement surgery (other than caused by an accident). Prolapsed intervertibral Disc.Varicose veins/ulcers.
• Naturopathy treatment. Expenses, which are purely diagnostic in nature with no positive existence of any disease. Expenses that are mainly cosmetic in nature
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Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is below 35 years
for 2 adult + 2 child, the premium for a cover for 2 lac is 3455, 3lac is 4310, 4 lac is 5645 and 5 lac is 6875. Service tax 12.36% etc.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
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Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
Presuming that the highest age of the family member is below 35 years
for 2 adult
the premium for a cover for 2 lac is 2890, 3lac is 3985, 4 lac is 5195 and 5 lac is 5920. Service tax 12.36% etc.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
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Family Floater Policy
.
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. For persons above age 50, medical test is required and the medical examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference.
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Normally Most of the companies do not cover the pre existing disease for certain period and it will be covered after a waiting period. say it may be 2 years/3 years/4 years depending upon the company you opt, the plan, and the sum insured, the premium and your age.
If you are more interested in covering your pre existing disease , and you may have to select the sum insured, best plan and prepared to pay the higher premium according to your age.
If you are interested in normal pediclaim policy which will cover the pre existing disease after the waiting period you can choose the company, which will offer mediclaim at lowest premium.
post your preference
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Please post the age of your family members, and the relation ship , No. of adult, no. of children.in your family, so as to get best suggestion.
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
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Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
In star Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
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Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
In star Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
|
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Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
In star Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
|
|
|
|
Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
In star Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
|
|
|
|
Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
In star Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
|
|
|
|
Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
In star Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
|
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|
|
Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
In star Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
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First I wish to congratulate to you for giving the age of all the persons and seeking advice.
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
In star Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
For the highest age of the family member 42 years, for 2 adult + 2 child,
the premium for a cover for 1 lac is 2025, for 2 lac is 3455, for 3 lac is 4310, 4 lac is 5645 and for 5 lac is 6875. Service tax 12.36% etc.
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. For persons above age 50, medical test is required and the medical examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference.
You have to submit your application for, passport size photo of all, payment by cheque.
When a family member is ill, it is a traumatic time for the rest of the family. Star Health provides Family Health Optima to protect all members of a family from financial setbacks in theevent of a serious illness. The coverage is applicable equally to all members of the family.
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Do you want to take individual policy for yourself . or to your family member also.
Please post the age of persons for which the mediclaim is required.
so that you can get best suggestion.
For an individual policy post your age,
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
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Students traveling abroad are already on their own and need help if they are ever laid low by an illness. STAR Health has a specially designed Student Travel Protect Insurance that protects them during a crucial phase because medical treatment abroad can be prohibitively expensive in most cases.
Medical Benefits
Emergency medical expenses
Emergency transportation back to India
Repatriation of mortal remains
Dental emergency expenses following an accident
Travel Related Benefits
For injuries caused by accidents
For checked in baggage
Compassionate Benefits
Visit of one immediate family member, in case of hospitalisation
Repatriation due to medical reasons or death of family member, resulting in interruption in study
Reimbursement of tuition fee for the balance period in the event of death of the sponsor
Legal Claims
For bodily injury to third parties or damage to their property, if you happen to be the cause
Cost of bail bond following false arrest or wrongful detention.
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Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. For persons above age 50, medical test is required and the medical examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference.
You have to submit your application for, passport size photo of all, payment by cheque.
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If your parents age is below 60 years. they can take any medclaim policy available. They may have to undergo medical test.
For persons age above 60 and below 70 there is a special Senior citizen red carpet insurance available without requirement of pre-insurance medical test.
Individual Policy. Sum insured 1 lakh and 2 lakh available . premium Rs.5000 and 9500 respectively including service tax.
You have to submit application along with passport size photo of all and payment by cheque. You can be a proposer and you can pay by your cheque and also enjoy tax benefits for gifting your parents this mediclaim policy.
Turning sixty is a major milestone for most people, a time to start being more careful about there health. It is a matter of concern that insurance policies are hardly available to address this critical requirement.
India’s 1st Health Insurance company aimed specifically at 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. Guaranteed renewals beyond 69 yrs. No pre-insurance medical test is required. It is our way of carrying for a generation that has done so much to build the country we have today.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalization facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years.For persons above 50 ,medical test is required and the examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference.
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Since you are covered for more than 21 years in same company, it is always better to continue in the company. It is possible to change company with the benefits of cumulative bonus,etc.
But you mother has to continue with with oriental insurance since at this age, there is no company willing to give frest/renewal insurance by transfer. maimum age for giving policy is 80 years. except on renewal. so better your mother policy has to continue only with oriental insurance.
Regarding your age 58, it may be possible to change. But normally above the age of 45/50/55 depending upon the company you have to undergo medical test. 30days waiting period, 1st year, 2nd year exclusion may be waived. But i feel if there is any adverse test report, it may be treated as pre existing and it will be covered only after waiting periodof 3/4/2 years.
If the policy is taken as a whole it is better not to split and renew in total.
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Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
Maximum cover available is 5 lac only.
In star Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Presuming that the highest age of the family member is below 35 years
for 2 adult + 2 child, the premium for a cover for 2 lac is 3455, 3lac is 4310, 4 lac is 5645 and 5 lac is 6875. Service tax 12.36% etc.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. For persons above age 50, medical test is required and the medical examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference.
You have to submit your application for, passport size photo of all, payment by cheque.
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Family Floater Policy
Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
In star Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. For persons above age 50, medical test is required and the medical examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference.
You have to submit your application for, passport size photo of all, payment by cheque.
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For persons age above 60 and below 70 there is a special Senior citizen red carpet insurance available without requirement of pre-insurance medical test.
Turning sixty is a major milestone for most people, a time to start being more careful about there health. It is a matter of concern that insurance policies are hardly available to address this critical requirement.
India’s 1st Health Insurance company aimed specifically at 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. Guaranteed renewals beyond 69 yrs. No pre-insurance medical test is required. It is our way of carrying for a generation that has done so much to build the country we have today.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years.For persons above 50 ,medical test is required and the examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference
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Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference.
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For persons age above 60 and below 70 there is a special Senior citizen red carpet insurance available without requirement of pre-insurance medical test.
Individual Policy. Sum insured 1 lakh and 2 lakh available . premium rs.5000 and 9500 respectively including service tax.
You have to submit application along with passport size photo of all and payment by cheque. You can be a proposer and you can pay by your cheque and also enjoy tax benefits for gifting your parents this mediclaim policy.
Turning sixty is a major milestone for most people, a time to start being more careful about there health. It is a matter of concern that insurance policies are hardly available to address this critical requirement.
India’s 1st Health Insurance company aimed specifically at 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. Guaranteed renewals beyond 69 yrs. No pre-insurance medical test is required. It is our way of carrying for a generation that has done so much to build the country we have today.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years.For persons above 50 ,medical test is required and the examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference
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Instead of taking Individual Mediclaim policy, there is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family ( no. of adults, no. of child),
the cover you want to opt and
the company you have selected.
In star Health Insurance policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available. Presuming that the highest age of the family member is below 35 years
for 2 adult + 2 child the premium cover for 2 lac is 3455, 3lac is 4310,4 lac is 5645 and 5 lac is 6875. service tax 12.36% etc.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference
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maternity expense will not be covered in mediclaim/health insurance policy by Any Insurer.
except in case of group mediclaim, where it may be waived depending upon the tailor made policy .
But now one/two companies now started to issue policy covering maternity also, but will cap on maternity cover.
one company covers maternity expenses up to 10000 depending upon the age and the cover, premium normally rs 15,000 for individual or floater policy for 2 adults.
One another company covers after a waiting period of 4 years maternity expense up to 15,000 or 25,000 depending the plan and sum ainsured .
But if you require immediately the maternity benefit, it is not possible.
If you are really interested , please post the age of the applicant.and wheather you want individual policy or floater policy for maily. if so, the age all should should be given for best suggestion.
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For persons age above 60 and below 70 there is a special Senior citizen red carpet insurance available without requirement of pre-insurance medical test.
Individual policy.
Sum insured 1 lac and 2 lac available . premium rs.5000 and 9500 respectively including service tax.
By gifting your parents you also enjoy tax benefits.
Turning sixty is a major milestone for most people, a time to start being more careful about there health. It is a matter of concern that insurance policies are hardly available to address this critical requirement.
India’s 1st Health Insurance company aimed specifically at 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. Guaranteed renewals beyond 69 yrs. No pre-insurance medical test is required. It is our way of carrying for a generation that has done so much to build the country we have today.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference.
If u are interested contact me by pvt message.
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If they take Individually Rs 3000 premium, 2447 premium for 1 lac cover and rs 4200, rs 3400 for 2 lac over. service tax 12.36% etc.
But I suggest you to take family Floater policy for 2lac and above. For 2 lac cover , premium is 6400. service tax 12.36% etc.
So that Who ever needs the claim can utilise the limit up to 2 lac. policy cover AVAILABLE for 2lac, 3lac, 4 lac, 5lac.
You have to submit application, two passport size photo and payment by cheque. ( Since payment by cheque only, it benefit will be available.).For prents you can propose and get it benefits also, if you desire.
. yOUR PARENTS HAS TO UNDERGO MEDICAL TEST. After accepting the proposal form,cheque they will isssue a letter informting to undergo medical test, and mentioning where you can take medical test.Cost will be born by the company. After receiving the medical reports from them, the policy will be completed and sent to you.
This premium is given for the star health insurance. Premium may vary depending upon the company you chose.
By gifting your parents the mediclaim policy you can also enjoy tax benefits.
Your family’s health needs always arrive unannounced.
Hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. Health consultation through Tele and Video conference.
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We specialise in Mediclaim, Overseas Mediclaim and Personal Accident.
Promoting Health, Protecting Health.24 hour helpline. Cashless hospitalisation facility.Free general physician advice..No medical examination up to 50 years. Medical examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai.. Health consultation through Tele and Video conference.
Premium depnds upon the
age
sum insured
comapny you have choosen.
In star health insurance for age below 35 years premium 1200 for 1 lac cover, 2350 for 2 lac cover, 3300 for 3 lac cover, 4200 for 4 lac cover, 4900 for 5 lac cover. service tax 12.36% etc.
You have to fill up the application form, submit with pass port size photo and payment by cheque.
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Instead of taking Individual Mediclaim policy, ther is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family( no. of adults, no. of child),
the cover you want to opt and
the comapny you have selected.
In star policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
We specialise in Mediclaim, Overseas Mediclaim and Personal Accident.Promoting Health, Protecting Health.24 hour helpline. Cashless hospitalisation facility.Free general physician advice..No medical examination up to 50 years. Medical examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai.. Health consultation through Tele and Video conference.
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Instead of taking Individual Mediclaim policy, ther is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family( no. of adults, no. of child),
the cover you want to opt and
the comapny you have selected.
In star insurance policy cover of 2 lac, 3lac, 4 lac, 5 lac available
Taking the highest member age is 51 years, for 2 adult + 1child the premium cover for 2 lac is 5925, 3lac is 7865 ,4 lac is 11270 and 5 lac is 12815 . service tax 12,36% etc.
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. For Persons above 50, medical test is required and the examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference
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It depends upon the age of your family members, size no. of adults and children. etc.
But we suggest to you take separate floter policy for your parents and another floater policy for your family.
But it all depends upon your family age.
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
We specialise in Mediclaim, Overseas Mediclaim and Personal Accident.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years.For persons age above, medical examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. Health consultation through Tele and Video conference
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Instead of taking Individual Mediclaim policy, ther is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family( no. of adults, no. of child),
the cover you want to opt and
the comapny you have selected.
In star policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference
For persons age above 60 and below 70 there is special senior citizen insurance available.
Sum insured 1 lac and 2 lac available. Premium rs 5000 and 9500 respectively including service tax.
Turning sixty is a major milestone for most people, a time to start being more careful about there health. It is a matter of concern that insurance policies are hardly available to address this critical requirement.
India’s 1st Exclusive Health Insurance company designed specifically for 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. Guaranteed renewals beyond 69 yrs. No pre-insurance medical test is required. It is our way of carrying for a generation that has done so much to build the country we have today
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For persons age above 60 and below 70 there is a special Senior citizen red carpet insurance available without requirement of pre-insurance medical test.
Sum insured 1 lac and 2 lac available . premium rs.5000 and 9500 respectively including service. tax. But NO opd reimbursement available. AT your age requirement there may be no policy available for opd reimbursement.
Turning sixty is a major milestone for most people, a time to start being more careful about there health. It is a matter of concern that insurance policies are hardly available to address this critical requirement.
India’s 1st Health Insurance company aimed specifically at 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. Guaranteed renewals beyond 69 yrs. No pre-insurance medical test is required. It is our way of carrying for a generation that has done so much to build the country we have today.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference.
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Pre existing disease may be covered after waiting period of 2/3/4 years depending upon the company. But In yours case it may be depending upon the medical report submitted.
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Instead of taking Individual Mediclaim policy, ther is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family( no. of adults, no. of child),
the cover you want to opt and
the comapny you have selected.
In star policy cover of 2 lac, 3lac, 4 lac, 5 lac available
Always post with your particuals like your age , family members age to get best suggestion.
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference
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maternity expense will not be covered in mediclaim/health insurance policy by Any Insurer.
except in case of group mediclaim, where it may be waived depending upon the tailor made policy .
But there one/two companies now started to issue policy covering maternity also, but will cap on maternity cover.
one company covers maternity expenses up to 10000 depending upon the age and the cover, premium normally rs 15,000 for individual or floater policy for 2 adults.
One another company covers after a waiting period of 4 years maternity expense up to 15,000 or 25,000 depending the plan and sum ainsured .
If you are really interested , please post the age of the applicant.and wheather you want individual policy or floater policy for maily. if so, the age all should should be given for best suggestion.
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With a take home salary around rs. 25000 to 30000( combining both you & Your wife salary), you can get a Home loan of Rs. 15,000
Home loan depends on the applicants age, salary, company working, term of the home loan, etc.
First you may have to submit 3 moonth pay slip, latest form 16 & Income tax return, bank statement for the last 6 months, etc. you may approximately get the HOME LOAN ELIGIBLITY
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Depending upon you age, take home salary, company you are working,
home loan can be given.
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We specialise in Mediclaim, Overseas Mediclaim and Personal Accident.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. For persons age above 50, examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai.. Health consultation through Tele and Video conference.
Mediclassic policy in star health . cover available for 1 lc to 5 lac. Premium 3000/ for 1 lac, 5300 for 2alc, 8200 for 3 lac, 11451 for 4 lac, 13958 for 5 lac. Service tax 12.36% etc.
Easy Health Individual Health insurance plan available in apollo dkv. Standard, Exclusive and premium variant available.In easy health standard premium 3628 for 1 lac, 6584 for 2lac, 9500 for 3 lac, 11500 for 4 lac, 13500 for 5 lac
These are EXCLUSIVE HEALTH INSURANCE COMPANIES IN INDIA.
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Instead of taking Individual Mediclaim policy, ther is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family( no. of adults, no. of child),
the cover you want to opt and
the comapny you have selected.
In star policy cover of 2 lac, 3lac, 4 lac, 5 lac available
Taking the highest member age is 50 years, for 2 adult + 2child the premium cover for 2 lac is 6450, 3lac is 8400,4 lac is 11870 and 5 lac is 13210. service tax 12,36% etc.
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference
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Instead of taking Individual Mediclaim policy, ther is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family( no. of adults, no. of child),
the cover you want to opt and
the comapny you have selected.
In star policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available
for 2 adult + 1child the premium cover for 2 lac is 3555, 3lac is 4830,4 lac is 5775 and 5 lac is 7045.
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference
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Instead of taking Individual Mediclaim policy, ther is a Family Floater policy offered by some of the companies.
The premium depends upon
the highest age of the family member,
size of the family( no. of adults, no. of child),
the cover you want to opt and
the comapny you have selected.
In star policy cover of 1 lac,2 lac, 3lac, 4 lac, 5 lac available. Presuming that the highest age of the family member is below 35 years
for 2ault + 2 child the premium cover for 2 lac is 3455, 3lac is 4310,4 lac is 5645 and 5 lac is 6875.
Please post the number of family members, their age , and cover you may opt to give suitable suggestion
Your family’s health needs always arrive unannounced.
Let it be your spouse or children, hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. . Health consultation through Tele and Video conference
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As far us i know no such mediclaim which covers critical illnes at the start of the policy.
Pre existing disese will be covered after 2/3/ 4 years depending upon the company, plan chosen by you. At the earliest pre existing will be covered after 2 years.
pre existing waiver will be Only in group/company tailor made policies
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If they take Individually Rs 3000 premium, 2447 premium for 1 lac cover and rs 4200, rs 3400 for 2 lac over. service tax 12.36% etc.
But I suggest you to take family Floater policy for 2lac and above. For 2 lac cover , premium is 6400. service tax 12.36% etc.
So that Who ever needs the claim can utilise the limit up to 2 lac. policy cover AVAILABLE for 2lac, 3lac, 4 lac, 5lac.
You have to submit application, two passport size photo and payment by cheque. ( Since payment by cheque only, it benefit will be available.).For prents you can propose and get it benefits also, if you desire.
. yOUR PARENTS HAS TO UNDERGO MEDICAL TEST. After accepting the proposal form,cheque they will isssue a letter informting to undergo medical test, and mentioning where you can take medical test.Cost will be born by the company. After receiving the medical reports from them, the policy will be completed and sent to you.
This premium is given for the star health insurance. Premium may vary depending upon the company you chose.
Your family’s health needs always arrive unannounced.
Hospitalization can happen at different times and the extent of health needs always vary.
Definitely all this can put you to undue stress and financial strain. Not anymore! For now Family Health Optima policy that optimizes your resources to meet every kind of health emergencies. What’s more, it’s a single premium policy that covers your entire family’s health needs, which means no more multiple premiums and multiplied worries only peace of mind.
Promoting Health, Protecting Health. Medical 24 hour helpline. Cashless hospitalisation facility.Free general physician advice. Unlimited free out patient consultation for a small premium.No medical examination up to 50 years. examination cost borne by the company. Faster disbursement of claims. No TPA.Large network of over 2800 hospitals across India. Over 200 hospitals in Chennai. Health consultation through Tele and Video conference.
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