Tips for buying best mediclaim insurance
India health insurance tips and tricks to choose the best medical insurance in India
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The eligible medical expense incurred for a covered benefit will be settled directly with the hospital by the Insurance Company with the required prior approval of the TPA (Third-Party Administrator). All of insurance companies in India offer cashless hospitalization facility in their respective TPA approved hospital network. So cashless mediclaim service can be availed only in approved network hospitals of the insurers. The insurance company issues a Mediclaim Card for all insureds which needs to be produced at the hospital at the time of admission to avail of Cashless treatment.
All insurance companies selling health insurance policies in the India market offer Cashless settlement of claims for inpatient hospitalization. Cashless Hospitalization is a feature/service given by the Insurance Companies in India where an active customer/policy holder can get medical treatment at the best hospitals (in the network) anywhere in India, without paying for the same from his/her pocket. The eligible medical expense incurred for a covered benefit will be settled directly with the hospital by the Insurance Company with the required prior approval of the TPA (Third-Party Administrator).
| Insurance Company + Plan Name | Eligibility Criteria / Age | Sum Insured Options | Medical Check-up |
|---|---|---|---|
Apollo Munich Health Insurance - Optima Senior |
Any person whose age is 61 years and above. No Maximum Entry Age. Lifelong Renewal |
2, 3, 5 lacs | Insured will be called for a medical check-up on the basis of your age, health declaration and cover opted for. |
Star Health - Senior Citizen Red Carpet Health Insurance Plan |
Any person between 60 and 75 years of age at the time of entry can take this insurance policy. | 1,2, 3, 4, 5, 7.5, 10, 15, 20, 25 lacs | No pre-acceptance medical test required However if following medical records of the person proposed for insurance are submitted, a discount of 10% of is allowed. - Stress Thallium Report - BP Report - Sugar (blood & urine) (Fasting / Postprandial) - Blood urea & creatinine |
| HDFC Ergo – Silver / Gold Plan |
Any person whose age is 61 years and above. No Maximum Entry Age. Lifelong Renewal |
3, 4, 5, 7.5, 10, 15 lacs | Persons opting for a policy for the first time have to undergo a detailed prescribed Pre Health check up from an empanelled doctor in HDFC Ergo Network. |
Bajaj Allianz - Silver Health Plan for Senior Citizens |
This policy covers members up to from 46 to 70 years of age Renewal age upto 75 years |
50,000 - 5 lacs | Pre Policy Medical Check up required for this plan |
Tata AIG - MediSenior Health Insurance |
Insureds of the age 61 and above No Maximum Entry Age. Lifelong Renewal |
1, 3, 5 lacs | PPC Required and to be done at Tata AIG Authorised centres. 50% reimbursement of cost after proposal acceptance. |
New India - Senior Citizen Mediclaim Policy |
60 - 80 years (renewable up to 90 years of age Lifelong Renewal |
Two Options of 1, 1.50 lacs | Persons opting for a policy for the first time have to undergo prescribed Pre Health check up from an empanelled doctor. Cost of check up has to be borne by the proposer. |
Religare Health – Care Senior |
Individual: 61 years and above
Floater: 2 Adult (Self, Spouse, Father, Mother) Entry Age Maximum : Lifelong Lifelong Renewal |
3, 5, 7, 10 lacs | No Pre Policy Medical Check up |
India health insurance tips and tricks to choose the best medical insurance in India
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