565

Why should you go with the option of purchasing the mediclaim policy today only?

 

 The mediclaim policy is considered to be the type of health insurance policy in which the company will be reimbursing the policyholder for the medical expenses which he or she might have incurred during the term of the policy. The policyholder can go with the option of meeting the bills to get the reimbursement or they can also go with the option of availing the cashless facility at the rate of hospitals of the insurance company. The very basic reason why people should have proper access to all these kinds of policies is to deal with skyrocketing healthcare expenditures so that everything becomes much more affordable for the people. Best mediclaim policy is considered to be a type of health insurance that will help in providing the people with the right kind of medical cover for the hospitalisation and illness up to the specific sum that has been insured in the whole process. The medical policy will be very much valid for a particular period and after this people need to renew it.

 

 Following are some of the very basic differences between the Mediclaim and health insurance policy:

 

1. Mediclaim policy will only cover the medical expenses at the hospitalization costs and on the other hand, the health insurance will cover hospitalisation along with other charges like daily cash allowance, ambulance charges and several other options.
2. The mediclaim policy will make sure that the insured can make multiple claims until the sum insured has been exhausted and on the other hand, the insured will be given a lump sum benefit if they meet with any kind of accident or diagnosed with critical illness in the cases of health insurance.
3. People will always have a lower sum insured in the cases of mediclaim policy and the comprehensive health insurance policy will have a higher sum insured that can even go to some crores in some of the cases.

 

 

 Why availing the best mediclaim policy is very much important for the people?

 

1. This particular policy will help in providing the people with the complete option of a cashless hospitalisation facility.
2. This is considered to be the most cost-effective way of obtaining the healthcare services
3. This particular policy will always help in lowering down the financial burden of the people and will provide them with a good amount of peace of mind.
4. The mediclaim policy is very much successful in terms of eliminating the out-of-pocket expenses and will ensure that the insurance company will be very much successful in terms of managing the hospitalisation expenses.
5. The mediclaim policy will help in providing the people with the individual as well as family floater Mediclaim policies.
6. Tax benefits are also available on different kinds of premium paid towards the mediclaim policy which is another add-on advantage of this concept.

 

 Following are some of the very basic advantages of the mediclaim policies:

 

• The best mediclaim policy will always help in making sure that people will be able to deal with financial distress throughout the process very easily.
• Mediclaim policy is considered to be the most cost-effective way of combating the increasing healthcare costs in the industry.
• Mediclaim policy will also help in providing the people with a cashless hospitalisation facility where the policyholder will not need to spend any money from these or her pocket because everything will be directly settled between the hospital and the company.
• The mediclaim policy is also very much successful in terms of providing the people with deductions in premium so that there are multiple savings for section 80 D of Income Tax act 1961.

 

 There are two types of claiming procedures under this particular policy which are explained as follows:

 

• The reimbursement claim: In the cases of reimbursement claim, it is very much important for the people to inform the insurance company about the medical emergencies and hospitalisation and further it is vital on the behalf of people to collect all the bills and keep a track of expenses during the hospitalisation. To get the right kind of reimbursement for expenses incurred people need to submit every bill related to medical expenses and keeping the original bills is also very much important so that they can be submitted to the insurance company to get the reimbursement amount.
• The cashless claim: The insured will also be expected to submit the pre-authorisation form along with the medical card in advance to the planned hospitalisation so that in the cases of emergency medical treatment is the policyholders can produce the card very easily and can avail the cashless hospitalisation facility without any kind of problem.

 

 Hence, there is no need to worry because companies like Care Insurance are always very much successful in terms of providing people with the best mediclaim policy so that people can avail several advantages and fulfil their overall requirements very easily.