A health insurance or mediclaim insurance policy always acts as an umbrella for medical coverage in times of medical needs and requirements. There are added advantageous of such a policy. We advise you to secure your future with a mediclaim health insurance policy now since this is a season of tax planning. If you buy mediclaim health insurance plans now, you will get excellent medical cover and you can save on your tax as well.
Mediclaim health insurance provides medical care and medical benefits for your absolute well-being. The health insurance or medical insurance plans cover charges on sustained injuries or diseases. Medical insurance covers costs and expenses on blood, oxygen, operation theatre, appliances, anesthesia, X-rays, dialysis, chemotherapy, medicines and drugs, pacemaker, artificial limbs and cost of organs. Most of the companies offer Medical health insurance benefits that include cashless facility at a variety of hospitals. In this case, those who have tied up with the insurer do not have to bear a large portion of the amount from his own pocket, which is directly managed by the Third Party Administrator (TPA).
Mediclaim health insurance plans also feature medical cover for pre-hospitalization (30 days) and post-hospitalization (till 60 or 90 days after release) costs. Though it only takes into account the disease or accident, for which you were hospitalized, the plan provides coverage for the amount spent for an organ transplant.
Some of the leading private players are taking initiative to introduce cheap insurance plans that encompass areas like health care management. The players have a variety of plans that give maximum coverage; now there is also a dental insurance plan available if you’re concerned only about the expenses you have to manage for your dental surgeries. The big insurance companies are promoting their health insurance products online in order to increase the reach of the products. A free quote is provided online, with which the individual can purchase the policy online. Browsing through the online insurance sites will give you a fair idea about the policy benefits, medical cover and tax gains that come with the cheap insurance plan.
Health and medical care management include medical insurance and critical illness insurance. Health Guard, Hospital Cash, Insta Insure, Health Advantage Plus, Family Floater and Health First are some of the health plans offered by the major insurance companies. Several insurance companies cover accident insurance for both individuals and families as well. NRI Accident Insurance and Personal Accident Insurance are some of the most popular accident insurance plans on offer. Critical care insurance also provides cover for accidents.