Monday, 4 June 2018

How to File a Claim with Star Health & Allied Insurance?


The litmus test for any insurance health insurance company is when you make a claim for hospitalisation or other medical expenses covered under your insurance policy. 

The claim procedure should be hassle free and settlement must be within a reasonable time or as per the terms of the policy. Nothing is more frustrating for a policy holder than for him to run from pillar to post trying to settle a claim after the trauma of an illness and stay in a hospital.

Apart from looking at the amenities and other terms and conditions, it is also important to know how easy it is to deal with the claims departments and fast they clear your claims. Preferably, every insurance company must have a well trained and cooperative customer service support that guides you prior to hospitalisation or within a couple of days. It is their responsibility to guide you on the procedures required, documents required which have to be produced while making a claim.

Star Health Insurance Prompt Claims Disposal

Customer Centric Service is one of the main tenets in the Star Insurance’s Citizens Charter. In the past few years they have carved out a name for themselves not only for honestly dealing with all policy holder grievances but also clearing all claims in record time.

Star Insurance has a track record of settlement in the shortest time. They have cleared 87% of cashless claims within two hours from discharge. They have settled a total of 3,78,710 claims amounting to ₹ 1,378 Crores for the financial year 2016/ 2017.

Star Heath Claims Support is a customer friendly and hassle free process. They ensure that all settlements are made in a timely and just manner. The key components of their service are courtesy, speed, attention and the drive to work hard to meet and exceed customer expectations.

Contacting and Intimating Star Health Insurance

The policy holder or someone known to the patient must Intimate Star Insurance Company within 24 hours from the illness or accident.  This can be done by contacting their toll free number 1 800 425 2255 or the nearest Star Health Mediclaim office. Please keep the policy number and Star Health card number handy while making the call.

Types of Claims 


Star Health has two types of claims viz. Cashless Claims and Reimbursable claims:


Cashless Claims are made when the policy maker is treated in one the insurance company’s network hospital. Identify yourself as a policy holder with your Star Health ID card at the hospital admissions reception. The hospital will ask Star Health for authorisation after which you will be admitted for treatment and all expenses related to this hospitalisation will be borne by Star Insurance. In this case, the following documents must be handed over to Star Insurance;

            Copy of Health Card issued by Star Health

            Claim Form duly filled with all details
            Medical case papers issued by treating doctor
            Investigative reports (X-ray, blood analysis, MRI etc)
            Pharmacy bills supported by doctors’ prescription
            FIR or MLC (Medico Legal Certificate) in the case of accident
            Discharge Summary
            Other papers pertaining to your treatment


Reimbursement Claims are made when the policy holder is treated in a hospital not listed in the Company’s network of hospitals. You need to follow the procedure as detailed below:
Information regarding your illness must be intimated to the customer support   (toll free number)


Complete the form (can be downloaded from the company website) and
Include the following ORIGINAL documents:

          original bills, receipts and discharge card from the hospital
          Bills from pharmacist with the supporting prescription from the doctor
          Receipts of tests done during the period of illness
          Investigation test reports along with the requisition note from the  
          medical practitioner or surgeon prescribing the test(s).
          Details of surgery and surgeons bill and receipt
          Certificate from treating Doctor
          Self declaration or FIR in case of an accident
          Health registration certificate, if the hospital has less than 15 beds.


How to Claim Reimbursement


The claiming process is fairly simple and straight forward. After you have paid the bills of all expenses incurred, you will fill the claims form and send it to the closest Star office combined with all the documents mentioned above. Your entitlement will be cleared within the shortest possible time as per the policy terms and conditions.

Related : Claim Procedure for Star Health Insurance


Some Points to Remember While Making a Claim


If the form is incomplete, the authorisation request can be cancelled.
Non Reimbursable items will be borne by the insured
All claims must be submitted no later than 30 days from the date of discharge
Post hospitalisation claims have to be submitted within 30 days from discharge. 
          
About Star Health Insurance


Star Health and Allied Insurance is the first standalone insurance company covering personal accident, mediclaim and overseas travel insurance. It is headquartered in Chennai and was launched in 2006.

For more updates and News follow Policybazaar Youtube Channel

Wednesday, 30 May 2018

Oriental Insurance Policy - Compare and Buy Online Plans

Buying an insurance plan is the best way to secure one’s future because it protects policyholders from unforeseen circumstances. There are innumerable insurance companies that have on offer several insurance schemes but it is always preferable to select a general insurance plan like Oriental Insurance online which is well established. 

Oriental insurance online has a number of general insurance plans that are available for policyholders to select from. However, while selecting the perfect insurance plan one needs to keep in mind a few essential points that one must compare before buying any insurance plan that have been discussed in this article.

Understand the Options and Select the Most Appropriate One

When it comes to general insurance, as the name suggests, protects a property from damage from theft, fire and burglary and at the same time it includes almost all forms of insurance apart from life insurance. Some of the types of general insurance offered by Oriental Insurance online include:

Motor insurance: Covers damages and liability caused against vehicles off-road and on-road emergencies
Health insurance: Covers policyholder’s medical expenses or emergency medical attention
Travel insurance: Covers the policyholder when travelling abroad 
Home insurance: Covers the home and personal possessions from theft, damage 
Marine insurance: Covers export and import of goods 

It is essential that policyholders compare general insurance plans and the add-on plans to secure all their interests and protect them from damages.

Online General Insurance Plans are Cheaper

Believe it or not, online general insurance plans offered by Oriental Insurance online are cheaper online. This is because the time, effort, resources and systematic procedure helps insurance companies save money on these fronts which they are happy to share with their policyholders.

Apart from being a convenient option for policyholders to choose from it helps the insurance company process claims in a timely manner as well. Therefore, this is an excellent and efficient option that one should consider option for since it helps policyholders make the best 

All Documents Organized and Saved in One Place

The best thing about comparing and buying general insurance online is that all the information is available online and it is easy to check. Moreover, when the policyholder is sure about purchasing a particular insurance plan then all the required documents are organized and saved in one place. 

However, when an insurance cover is purchased offline it need not be as organized like this. Also, at the time of renewal it will be easy for policyholders to renew their insurance plan since all the documents are well organized and in place minimizing the chance of misplacing documents or the fear of missing the deadline and run the risk of not being covered by any form of insurance. 

Transparent Paperless Transactions and Payment Options
   
Another growing concern that most tech savvy policyholders have these days is to have access to paperless transactions and payment options that can be performed online. Security is a major concern which insurance companies like Oriental Insurance online take very seriously. 

Also, needless to say it is all the more important that once a claim is filed online the policyholder will be able to track it online. This helps one bypass taking to an insurance agent and to receive a quick update at a time when it is convenient for them.

At the same time, in case there are concerns that need to be addressed by an insurance agent they are available via email, phone call, or one can make an appoint to meet them in person. Therefore, it makes the life of the policyholder easier.

Read Online Reviews on General Insurance

Before selecting an Oriental Insurance online plan always read online reviews as it will help potential policyholders to understand the various benefits and drawbacks of investing in a particular insurance plan. This way, one will be able to access whether the insurance plan is suitable for one’s needs.

Also, if one has any queries then it can be posted online for other policyholders to understand. This is an excellent way to learn about the experiences that other people have had with Oriental Insurance online regarding their general insurance plans and will help potential policyholder weigh their options and make an informed decision while selecting the final policy.

Things to be Careful About

These days it is very easy for anyone to create a website and host it online and this has led to the rise in the number of fake insurance companies. In case one has a doubt about the authenticity of an insurance company that may for instance resemble the Oriental Insurance online website then one must get in touch with the insurance company to avoid enrolling on a fraudulent website.

Also, always cross check the authenticity of the information, check the signature policy, and always ask for a receipt for ant transaction that can help one avoid fraud.

These are some of the aspects that one needs to take into consideration while comparing and buying general insurance from Oriental Insurance online.

For more details check ​PolicyBazaar Customer Reviews

Monday, 28 May 2018

Health Insurance Claim Process - Cigna TTK

In an age of growing uncertainties, the world needs health insurance more than ever. There has been a lot of talk about how the insurance market is not being to fulfill the customer’s needs and that the customers are becoming more and dissatisfied with the service of the insurance providers. 

In this kind of a market, it is very difficult to thrive without having anything special to offer. Fortunately for the customers, the Cigna TTK Health Insurance Company understand this very well. Therefore it provides one of the best health care facilities in the market.
This article will shed some light on the claim process of the Cigna TTK, and also discuss it portfolio.

The Cigna TTK Portfolio: 

1) Cigna TTK ProHealth Insurance Plan
2) Cigna TTK LifeStyle Protection for accidental care Plan
3) Cigna TTK ProHealth Cash Plan
4) Cigna TTK ProHealth Select Plan
5) Cigna TTK ProHealth Plus Protect
6) Cigna TTK ProHealth Preferred Plan
7) Cigna TTK ProHealth Premier Plan
8) Cigna TTK Proactive Living Plan

Benefits of Choosing Cigna TTK HealthCare Plans: 

The Cigna TTK Healthcare Company provides a wide range of plans for its customers. In doing so, the Cigna TTK health insurance firm allows its customers to have lots of choices to choose from, thereby giving the insurance holders a wide range of options. All of these plans are well laid out and they are financed by a decent amount of money. The Cigna TTK provides insurance across a wide range of contingencies such as Inpatient, Daycare, Pre and Post hospitalization assistance along with Domiciliary Cover and Donor benefits. 

The company also believes in restoring the insured sum of money also known as the SI (Sum Insured) and also provides cumulative bonus benefits with the help of Smart non-reducing bonus plans.  There is an optional cumulative bonus booster that will function on a non-reducing basis. 


This also allows adding more to the policy every year there is no claim being made. Customers of Cigna TTK Health Insurance have the option to go for removal of room rent limits along with sub-limits for disease specific treatments. The firm has been noted to provide healthy rewards as an extra add on benefit when you sign-up for the Proactive Living program.  

Claim Process for the Cigna TTK Health Insurance: 

Steps to Be Taken 
STEP 1: 
Informing Officials

When you are claiming an insurance policy benefit from the Cigna TTK Health Insurance firm, you should first start with contacting the free help line. It is usually recommended that you contact the firm at least 3 days in advance before claiming the policy benefits. This will allow the Cigna TTK health professionals to work with you and walk you through the entire process. In case there is an emergency, this rule is much more relaxed and you can contact the office within 48 hours of the contingency. 

STEP 2: 
Identification
When you will be arriving at the network hospital you will be expected to provide proper identification with all the necessary documents. You must present your Cigna TTK Health Card along with copies of your photo ID in order for you to avail your insurance claims. Then the hospital will be verifying your identity after which they would be getting in touch with the Cigna TTK Health Insurance Company in order to proceed with the hospitalization process. You can download your health card online from the Cigna TTK website. 

STEP 3: 
Request Forms
After proper verifications have been done, the hospital will decide to contact Cigna TTK as stated in the point above. There will be a preauthorization form that will be sent by the authorized hospital that would have details of the patient’s medical history, the kind of treatment that is necessary and also the estimated treatment costs. 

STEP 4: 
Contact with the Hospital
Once the form has been received by Cigna TTK, the company will process the claims applicable. Firstly, the information that has been provided by the hospital will be verified and only if the information is sufficient enough for Cigna TTK, it will process the claims. If there is some information missing, that has not been provided, the company will get in touch with the network hospital in order to understand the requirements better. 

STEP 5: 
Claims Service Associate
If a claim has been made and everything checks out fine, a service associate from the Cigna TTK Company will be getting in touch with you to complete all necessary formalities including paper works and forms whenever necessary. 

STEP 6: 
Discharge Procedure
When it would be time for discharge the hospital would be providing a final request of authorization for any kind of extra amount to be paid along with the final hospital bill. When there is a final authorization letter from Cigna TTK, you will be discharged. 

STEP 7: 
Payments Made
Once the hospitalization process is completed, the hospital will provide Cigna TTK with a list of original documents. The claim will then be assessed and the final payment will be made. 

It is of no doubt that by making such a clear and transparent claim process, Cigna TTK deserves all the awards it has won. If you are looking for an insurance policy that would cater to your personal needs, Cigna TTK is certainly worth a try. 

For more updates and News follow Policybazaar Youtube


Friday, 25 May 2018

What to Do If Your Health Insurance Claim is Denied

In a country like India, having a health insurance policy for separate individuals and special family health insurance plans are of a necessity. A health insurance plan is a safety measure that is undertaken by the buyer of the plan.

This safety measure gives financial aid at the time of a health crisis through payment of medical bills, buying medicines and hospitalization fees to all members who are insured under the same policy. Health insurance plans can also be termed as medical insurance plans.

There are a variety of best health insurance plans that arepresent in India. These plans are divided on the type of health insurance that a person is looking for, the length of the health insurance as well as the inclusions and exclusions of each health insurance plan.

The Many Health Insurance Plans in India
Each and every company in India that provides insurance plans to individuals have their own versions of health insurances that they have to offer. The different types of health insurance plans that are offered popularly to the masses are as follows:

·         An Individual Health Insurance Plan is a health insurance plan that is meant only for covering the health requirements and expenses of one individual.

·         Family Health Insurance Plans are plans that not only cover the individual but also their entire families as well. The health insurance plan varies depending on the number of individuals who are covered under the plan itself.

·         Critical Illness Plans are special plans that are made for individuals who already have a critical illness and who are seeking to get insured for the same. This plan covers nearly all critical illnesses, there are also some plans that cover all critical illnesses after a wait period of some time.
·        
          Depending on the age group, there are also health insurance plans that are specially tailored for children, adults and senior citizens as well from different companies.

Why Must You Buy A Health Insurance Plan?
In the 21st century, there are a number of new diseases and health problems that are affecting the common masses. It doesn’t take long for an individual to realize that the expenses of fixing one’s health is gradually rising. There is also the risk of sudden health deterioration occurring for which huge funding is necessary for treatment. At a time when all these problems are being faced, the wisest decision is to take a health insurance policy.

Now those who are insured under a health insurance plan do not have to worry about the expenses of the treatment that they need to go to. The traditional method of borrowing loans from the bank for fixing one’s health is over. Health insurance plans cover everything health-related of a person. This may be the hospitalization fee, the fee for surgery/treatment of even the fee for buying the different medicines, everything is included in the same plan.

Health and Medical Insurance Claim
Once a health or a medical insurance plan has been given to a person, there are two ways in which the medical insurance claim can be made by a person. A health insurance plan can either be claimed at the time that there is a medical emergency and money is needed by the policyholder from the company, or the claim can be made after the event.

The cashless medical insurance claims policy is when the insured does not have to pay for any expenses that are incurred at the time of a medical emergency. All the expenses are taken care of by the insurance company itself. This is mainly applicable when the insurance holder avails treatment from the hospital which is affiliated with the insurance company as well.

The reimbursement process is when the insurance holder or a member related to the insurance holder pays for the hospitalization fees and other bills. This is later reimbursed from the company. The process is a short one and does not require much effort for the same. The method of reimbursement involves:
·         Informing the company that you want to make a claim,
·         Submitting all the bills and necessary documents that are required for the claiming process from the insurance company.
·         Get the reimbursed medical insurance claim amount.

Steps to Take When Your Medical Insurance Claim is Denied
There are rare occasions when the reimbursement of claim from the insurance company may be denied. In this case, there are several reasons why the insurance claim may be denied and there are several ways of re-claiming one’s medical insurance claim.

At the time that a claim has been denied from the company, the insured individual can ask the reasons why the company has denied their medical insurance claim. Reconsideration of claim can also be suggested to the insurance company in question. A third party may also review the insurance claim that has been made and help in finding out the faults in the claims process and ways to re-claim the money.
All individuals whose claim has been denied from a health insurance company have the right to appeal. An internal appeal is when the insurer appeals to someone from the insurance company itself to go through the claims process and reconsider the claims amount. Depending on the urgency with which the insured wants the claims to be settled, the insurance company also has to speed up the process as well. The third-party review is known as external review.

HDFC ERGO General Insurance Company

HDFC Bank in India needs no introduction. While HDFC is a housing finance institution in India, ERGO is a Munich based company with its full name ERGO International AG. The share of the ERGO in HDFC ERGO General Insurance Company is 26%. 

While HDFC mainly deals in three sectors: banking, asset management, and general & life insurance, ERGO international AG is a reinsurer and a risk carrier of the Munich Re group. To bring to your notice, ERGO has its presence in more than 30 countries.

In India, HDFC ERGO has 109 branch offices and in the private sector insurance provider, HDFC ERGO General Insurance Company is the third largest general insurance company. The products and services offered by this company can be broadly categorized in three groups: Retail products (Travel Insurance, Motor Insurance, Personal Accident and Health Insurance), Rural Products (Cattle Insurance, Crop Insurance, Weather Insurance, Parivar Suraksha Bima and Gramin Suraksha Bima) and Commercial Products (Engineering Insurance, Liability Insurance and Property Insurance).  

The claim settlement ratio of this amazing company is 51%, which is not bad actually. In the year 2015-2016, the company paid out 1244.2 claims. Let us know the key features of this company, which may help you to take a decision. 

1.  The products offered by it in the General Insurance sector are complete and comprehensive.

2. For policy issuance, claim services and customer service the company has an ISO 9001-2008 certification. 

3. Its general insurance offers are sufficient to cover individuals, vehicles, and workspaces. 

4. The policies of this superb organization are not limited to the urban sector of the society. It caters to the rainfall, cattle, and agriculture-related requirement of the rural segment as well. 

5. It has special customized niche products for the commercial sector. In the commercial Insurance sector, the company provides the very wide range of products. 

6. In the area of personal accidents cover, HDFC ERGO General Insurance is the biggest player. 

7. All of its policies can be instantly renewed online. 

8. All of its services are digitalized. One can even get HDFC ERGO general insurance claim form online. 

9. HDFC ERGO health card comes packed with a special feature provided by the independent service providers. You can see the features on the display of the health card. 

10. It is located in about 91 cities with more than 108 branches. 

Do you want to know about the different types of products offered by HDFC ERGO General Insurance Company? Let us brief you about some of the amazing products:

1. HDFC ERGO Health Insurance: 

There are many health insurance policies provided by the HDFC ERGO General Insurance Company which can be broadly categorized into two groups: 

(A) Indemnity Health Insurance Policy: This policy gives the policy buyer the right to get the actual amount of financial losses in the form of compensation. The amount to claim depends on the maximum sum insured by the policybholder.

(B) Lump Sum Payment Health Insurance Plan: In such plans, the payment is given at the time of accident or illness or other such event.

There are many different types of customized health plans to meet the different needs of the customers. The seven variants of the health insurance policies are:

- HDFC ERGO Health Suraksha Policy: This policy provides expenses for the in-patient treatment and pre-hospitalization and 144 day-care procedures. 

- HDFC ERGO Health Suraksha Gold Policy: This gives post-hospitalization expenses also and covers for the hospital room rents, doctor fees etc. 

- HDFC ERGO Health Suraksha Regain Policy: With all the benefits defined above, this policy gives a regain benefit, which means that the sum insured will be automatic available after it gets exhausted. 

- HDFC ERGO Health Suraksha Gold Regain Policy: With all the other benefits, this policy gives the regain benefits even in the policy years. 

- HDFC ERGO Health Suraksha Top Up Policy: It gives bigger coverage at a lower cost. 

- HDFC ERGO Critical Illness Policy: This is a unique policy for those who suffer critical illness. It provides a lump sum amount for all the treatment, and in addition, it also provides fund for make up for the loss of income. 

- HDFC ERGO Critical Illness Platinum Policy: In this plan, there are 15 critical illnesses are listed for the cover and it provides fund just after the first diagnosis and 30 day survival after that. 

To know which policy suits you best, you can check online PolicyBazaar Reviews to know more about them and to make the decision. 

2. HDFC ERGO Vehicle Insurance policy:

This policy helps you protect against the theft, damage or loss of your car due to any reason whatsoever. A concept of third party liability is also added, which helps the owner of the car to cover for the claims made by the third party for the damages made by the insured car of the policy holder. There are many policies listed in this category, namely: 

- HDFC ERGO Private Car Insurance Policy
- HDFC ERGO Commercial Vehicle Insurance Policy
- HDFC ERGO Third Party Liability Only Insurance Policy
- HDFC ERGO Two Wheeler Insurance Policy

To know which policy suits you best, you can check online PolicyBazaar Reviews to know more about them and to make the decision. 

3. HDFC ERGO Home Insurance Policy: 

The policies covered under this category provides affordable coverage for your property. The two famous plan categories under this group are:

- HDFC ERGO Home Insurance
- HDFC ERGO Standard Fire and Special Perils Insurance

To know which policy suits you best, you can check online PolicyBazaar Reviews to know more about them and to make the decision. 

4. HDFC ERGO Travel Insurance:

As the name suggests, this insurance policy covers you against any disaster or inconvenience caused during your travel. All the plans are categorized in two groups: (a) travel Insurance Policy and (b) HDFC ERGO Student Travel Insurance. To know which policy suits you best, you can check online PolicyBazaar Reviews to know more about them and to make the decision. 

5. HDFC ERGO Commercial Insurance: 

This segment of insurance serves the need of the corporate and business houses. HDFC ERGO general Insurance Company Limited offers exceptional and customized commercial insurance solutions. The major policies in this group are: (a) Specialty Insurance (b) Casualty Insurance (c) Group Insurance (d) Knowledge Series and (e ) Property and Misc Insurance.  To know which policy suits you best, you can check online PolicyBazaar Reviews to know more about them and to make the decision. 

6. HDFC ERGO Rural Insurance: 

HDFC ERGO General Insurance Company Limited has come up with some insurance options for the rural customers especially. Under this category, the company provides two types of insurance till now 
- Agricultural Insurance
- Cattle Insurance

Wednesday, 23 May 2018

Cholamandalam MS General Insurance - Compare Plans

Cholamandalam MS General Insurance Group is a combined endeavor of Murugappa Group and a Japanese Insurance group called Mitsui Sumitomo. All variety of insurance products is available in this company constituting health plans, engineering and marine motor insurance covers, accident cover, property and liability insurance and so on. 

The great performance of Cholamandalam Insurance is stood upon the pillar of trust and transparency. PolicyBazaar customer testimonials evident its outstanding performance and customer services over several years.

Key Features and Benefits of Chola MS General Insurance

Apart from huge range of policy products offered by Cholamandalam Insurance group, it has earned its reputation by offering great customer service and support. 

Cholamandalam Insurance mainly targets to achieve customer satisfaction with their insurance products. Check out the general features and benefits of Cholamandalam Insurance plans:

Cholamandalam Insurance is the only Indian company which has received ISO certificate over motor claim.
It offers without cash settlement to its customers.
With Chola Insurance policies you can receive online profile services.
You can avail claim settlement via online forms in Chola groups of insurances.
Enjoy 24*7 customer service in Chola insurance policies.
It offers extensive cover and allows availing add-ons in your chola policy.
Chola insurances are easy to purchase.
Avail roadside assistance with Chola groups of motor insurance plan.
Great third party settlement cover.

Various Products of Cholamandalam MS General Insurance

From health cover products to car insurance, from home security cover to travel protection plan, Cholamandalam Insurance provides almost every possible insurance product to its much valued customers.

Cholamandalam Individual Insurance Products

Chola Car Insurance –Car plan provides comprehensive protection of the car along with the third party liability expenses. Moreover, get roadside assistance on car breakdown.

Chola Travel Insurance – Cholamandalam insurance group provides a wide range of travel covers – short period business and leisure travels, long time coverage for students studying overseas and insurance to corporate frequent travelers.

Chola Personal Accident Insurance – This insurance plan provides coverage to expenses related to accidents. It pays out weekly compensation amount in case of loss of job due to accident.

Chola Home Security Plan – This plan takes care of the protection of your home from the damage inflicted by both natural calamities and man-made activities.

Cholamandalam Corporate Insurance Products

Chola Group Health Plan – This group health plan provides modest cover to group of people. It also pays out death and disability benefits to the insured people.

Chola Engineering Insurance Plan – Chola Insurance Group provides insurance for those employees who work for building and engineering companies. Since these employees have to deal with heavy machineries and electronic devices, the companies are liable to provide protection to their workers.

Property Crime Chola Insurance – This insurance plan by Cholamandalam group insures the valuable properties and assets of a company. It gives out compensation to restore the damage or loss of company valuables due to man-made or natural disaster.

Chola Marine Insurance – This is the best and the oldest insurance of the Chola group. It covers the transportation of marine cargo throughout its journey in the sea.

Chola Fire Protection Insurance – This plan is also most availed corporate product which provides cover to the damage and loss of a company due to fire breakout and also from fire caused accidents.

Cholamandalam Health Insurance Plans:

Cholamandalam Healthline – This plan is available for both individual and family. In this Healthline plan by Chola group the primary insurance holder can include his family members such as spouse, children, parents and also in-laws.

Swasth Parivar Cholamandalam Insurance – This is an all-inclusive Chola Insurance plan that covers all expenses related to treatment, hospital admission charge, etc. The insured can also add personal accident add-on in this plan.

Tax Plus Cholamandalam Healthline Policy – This Cholamandalam policy covers both hospital admission expenses and the costs of OPD. This health plan is accessible for individual as well as a family floater. This plan is available from ₹1lakh and 50 thousand.

Family Healthline Cholamandalam Insurance Policy – This plan is more a family floater option that covers expenses of allopath and ayurvedic modes of treatment. It allows maximum sum insured for family floater ₹15lakhs.

Individual Healthline Cholamandalam Plan – This is a comprehensive individual health plan offered by Chola group which not only takes care of the cost of treatment, hospital admission expenses but also covers your general eye and hearing troubles. Maximum insured sum in this plan could be ₹10lakhs.

Cholamandalam Healthline Top-Up – This top-up plan insures extra medical expenditures of an individual as well as family.

Cholamandalam Critical Healthline Policy – This plan is basically a fixed payout plan which gives lump sum amount once the policy holder is detected with critical illness.

Hospital Cash Cholamandalam Healthline Insurance – This plan covers the expenses related to the hospital admission.

For more details check ​PolicyBazaar Customer Reviews

Monday, 21 May 2018

Top 10 Health Insurance Companies 2018


With the sky rocketing prices, inflation and the uncertainty of any disease affecting you, it has become very important to have a health insurance. In this article here, let’s talk about the best health insurance companies.
Health Insurance Policies And Royal Sundaram
Royal Sundaram health insurance offers multiple options to choose from for yourself and your entire family. The plans are affordable and very flexible too. They have different financial options to suit your exceptional needs. In case of Royal Sundaram mediclaim also, you increase your insured sum automatically each year, even if you used the Royal Sundaram mediclaim. The best thing is that you can choose from basic health insurance plans to specialist medical insurances in some cases where the entire maternity benefits are offered as well.
Royal Sundaram Health Insurance Review
A subsidiary of Sundaram Finance, Royal Sundaram is also known as Royal Sundaram General Insurance Company Limited. Formally known as, Royal Sundaram Alliance Insurance Company Limited. Royal Sundaram has been providing exclusive and innovative insurance solutions and plans to individuals, families and businesses across various domains.
With Royal Sundaram you can buy car, personal, health, home, accidental, travel or even two wheeler insurance online. Yes, Royal Sundaram has all these insurnaces available online for the people to use. Royal Sundaram insurance customer care is also available for helping people with their queries 24 by 7.
Royal Sundaram Health Insurance Policy Details
Here let’s discuss about the benefits or advantages of Royal Sundaram mediclaim:
·         In Royal Sundaram mediclaim or medical insurance, pre and post hospitalization charges are taken care of partially by the insurance provider.
·         There are 147 day care procedures covered in Royal Sundaram mediclaim.
·         The network hospitals of Royal Sundaram are really great. They have tie ups with more than three thousand (3000) hospitals. With these networked hospitals or with most of them, there is an advantage of cashless hospitalization.
·         There is a lifetime renewal available in Royal Sundaram mediclaim.
·         Royal Sundaram mediclaim has income tax benefits under section 80D.
·         The claims process of Royal Sundaram mediclaim is ISO certified. This makes the process more streamlined and very standard too.
·         In case of hospitalization after an accident, the Royal Sundaram insurance provides up to 50 percent additional insured sum for the treatment of procedures.
·         You can also get a cumulative bonus in case you did not claim your insurance for anything for the year. The bonus is between 5 to 50 percent.
·         Royal Sundaram insurance covers the maternity very well.
Royal Sundaram Health Insurance Renewal
Royal Sundaram health insurance is very easy. You need to do your Royal Sundaram health insurance login. Post that, you should enter your Royal Sundaram health insurance policy details wherever asked after answering few basic questions about yourself.
Royal Sundaram health insurance premium chart can help you determine which Royal Sundaram health insurance you would be interested to invest in. Royal Sundaram health insurance customer care is also always there to help you out in case of any concerns.
Once you have the filled in the required details on the Royal Sundaram health insurance login, you should be able to do your Royal Sundaram health insurance renewal within minutes. You can also check your Royal Sundaram health insurance policy status online.
Royal Sundaram Health Insurance – Who Can Be Covered?
·         The proposer of the plan can be anybody who is above eighteen (18) years of age.
·         The Royal Sundaram health insurance policy covers the applicant, spouse, and up to 4 children who must be between 91 days of birth up to 25 years of age.
·         In Royal Sundaram health insurance there is no restriction on the maximum age for your entry in the plan. That is, if you are of any age above 18, you can choose your Royal Sundaram health insurance plan.
Why Health Insurance
Health insurance is very important these days because:
·         If you or your family member faces an unexpected serious injury or illness, then that could be very expensive. With the help of health insurance, the cost can be shared.
·         Because you have a health insurance plan, you are most likely to get your regular checkups done on time.
·         With your health insurance you get good medical care in timely manner. This makes it the most important reason on why you should have a health insurance plan.

Gone are the days when people did not know the cure of diseases and many would die. In today’s world, there is a cure for almost everything and your life is a precious gift. You should take care of your body and yourself in the best way possible, health insurance is a part of that. Hence, always choose your health insurance plan wisely. It helps you in the longer run and in a very good way. Don’t think of it as a dead investment. You never know when you need it the most.