Individual Health Insurance

PolicyandFunds.com we are one of the top Health Insurance Agent in Chennai, India. We are helping to choose perfect INDIVIDUAL HEALTH INSURANCE PLANS / INDIVIDUAL MEDICLAIM POLICY for our clients. The advantage of Individual Health Insurance Policy: Higher Sum Insured, Tax Benefits under Section 80(D), Greater Medical Coverage and Cash Less Hospitalization Facility across India.

What Is Individual Health Insurance Policy / Mediclaim Policy?

Individual Health Insurance Plan, is a plan that is particularly customised for Individual. As the name suggests the only one person will be covered under this insurance policy. This Individual plan is directly proportional to the Family Floater Policy. The only difference is that it will cover Individual and not only your entire family.

Want to secure your self from health risk? Just select an Individual Health plan today. Policies that offer Individual benefits will definitely relieve you from the task of maintaining and keeping track of several individual insurances policies & decrease yours spend. Make a wise decision in selecting your plan. Selecting a health insurance plan is not a cakewalk. Need some expert advice on it. We PolicyandFunds consultants are there to help those who need guidance in selecting the Individual Mediclaim/Health Insurance plan.

 

List of Health Insurance Companies in India
Star Health and Allied Insurance Co Ltd. Apollo Munich Health Insurance Company Limited. HDFC ERGO General Insurance Co Ltd.
Bajaj Allianz General Insurance Co Ltd. ICICI Lombard General Insurance Co. Ltd. Reliance General Insurance Co Ltd.
National Insurance Co Ltd. The New India Assurance Co Ltd. The Oriental Insurance Co. Ltd.
United India Insurance Co Ltd. Future Generali India Insurance Company Ltd. Cigna TTK
Iffco Tokio General Insurance Co Ltd. Royal Sundaram Alliance Insurance Co Ltd. Tata AIG General Insurance Co. Ltd.
Cholamandalam MS General Insurance Co Ltd. SBI General Insurance Company Ltd. MAX Bupa Health Insurance Company Ltd.
Religare Health Insurance Co Ltd. L & T General Insurance Co Ltd. Bharti AXA General Insurance Co Ltd.
Universal Sompo General Insurance Co Ltd. Liberty Videocon General Insurance Shriram General Insurance Company

Eligibility

  • Personage between 18 – 65 years, living in India, can take this policy.

Main Features and Advantages of Individual Health Insurance / Mediclaim Policy in India

  • Gives a wider range of coverage for Individual with the affordable premium rate.
  • Avail more sum insured
  • Ambulance Fee on road and Air Ambulance Fee
  • Cashless Treatment
  • Easy to Health Insurance Portability
  • Free Medical Check- Up
  • In-House Claim Settlement
  • No Claim Bonus
  • Pre and Post Hospitalization
  • Room Rent Cover
  • Tax Benefits under Section 80D
  • Third Party Administrators some health insurance companies and some of them In-house claim settlement.
  • Health Checkup benefit for every year
  • The benefit of Automatic restoration of Sum insured up to 200% (some companies are providing)
  • Expenses of Donor covered for organ transplantation.
  • Domiciliary Hospitalization Expenses covered for treatment exceeding more than 3 days.
  • Cover for all day care procedures
  • Surgeon, Anaesthetist, Consultants, Oxygen, Blood, Specialist Fees, imaging modalities and Medicines and Drugs Oxygen, Medical Practitioner, Operation theatre, Operation Theatre, Diagnostics, Diagnostic and Cost of the pacemaker.
  • Life Long Renewal Guaranteed.

Steps involving to register Your Health Insurance Claim with Health Insurance company

First Step: Complete details about Doctor advises of treatment or hospitalisation.

Second Step: Register your claim with the Health insurance company.

Third Step: For Cashless Claim – May Visit Network Hospital for the treatment. (Or) Can Reimbursement the Claim –  Treatment taken at the Non linked network Hospital.

Fourth Step: Cashless Claim –  Contact to avail the cashless treatment TPA or In-House Claim of health insurance company, this process generally will follow by the Hospital Insurance Help Desk for arranging cashless treatment.

Reimbursement Claim – Once treatment have taken Submit your documents within 15 days of discharge from the hospital for reimbursement.

Intimating the claim keep ready with the below Documents

  • Current Health Insurance Policy Number
  • Contact details of Insured / Claimant
  • Name of Insured person or claimant person, who is admitted for hospitalised
  • Intimate the information when registering the claimed relationship of insured with the patient person who is admitted for treatment.
  • Name of the hospital admitted for treatment
  • A person admitted what the nature of the ailment
  • Information on date & time of the accident if that is accident case
  • Where the accident happened if that is accident case  

Health Insurance Policy Reimbursement Claim Process

Documentation is Required:

The following documents are required to apply for health insurance claim:

  • Which is Duly filled claim form by the proposed.
  • Treating Doctor signed Medical Certificate.
  • Complete Discharge summary.
  • Complete bills and receipts which is original
  • Prescription of medicine and cash memos from the treated hospital pharmacies.
  • Report of investigation
  • For accident case, the FIR or Medico Legal Certificate (MLC) is required.

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