Apollo Munich follows a unique set of ideas in formulating the products based on the people’s health insurance needs. This is the reason why it has come up with the world class insurance instruments. It has embarked upon its journey to make the health treatment easy and affordable for most of the citizens of India.
The insurance provider has launched a new product which is unique in its offerings. Apollo Munich Optima Restore offer insurance benefits like never before. It is designed to offer amazing benefits that would encourage the Indian citizens to purchase this plan. Here are the details of this plan.
Apollo Munich Optima Restore is a medical insurance plan which is formulated to offer various benefits to the insurance buyers. It is designed to provide genuine care to its buyer after they have purchased this insurance plan. The various major elements of this plan are quick claim settlement, cashless medical care, along with the lifetime renewal. This plan offers the freedom to the policyholders to seek medical treatment without thinking about the medical expenses. If an insured person exhausts the full cover during a policy year, the feature of restoring the entire cover is offered at no extra charges. Along with that, multiplier benefit provides a cumulative bonus of 50 percent when you don’t file a claim. It multiplies the sum assured by 2 when an insured person doesn’t file any claim for 2 consecutive years.
The Restore Advantage
The restore advantage of this insurance plan restores the basic sum assured when an insured person exhausts the full sum assured within policy duration. Insurance buyers who fall ill on a frequent basis can avail this benefit, in case he/she uses the full sum assured to undergo any treatment. He/she is eligible for using the same sum assured and use it for any health treatment when he/she falls ill again for a different ailment. The best thing is that an insured person isn’t supposed to make any payment for this cover. It helps a great deal to the individuals who fall ill/need health treatment for the second time in a year. This is a standout feature which isn’t offered by any medical insurance plan in India.
As mentioned above, a benefit of the multiplier is an unbelievable feature which enhances the sum assured by 50 percent for a claim-less year. As a result, the sum assured gets doubled, when a claim isn’t made for 2 consecutive years. You can enjoy double sum insured coverage by paying the same premium amount.
You may like to read : Reviews of Apollo Munich Optima Restore (OR) insurance plan
Apart from that, there are various benefits which make this policy an attractive insurance plan. Offering comprehensive insurance coverage to an insured person is just one of them.
An insured person enjoys the exclusive facility of lifelong renewal that lets him/her relish the cover benefits for extended time period.
Apollo Munich’s insurance instruments come with an exceptional customer care and it takes pride in being one of the top fastest claims settling insurance provider in our country.
Looking for a health insurance plan that offers coverage against the medical expenses that might arise out of any unfortunate events?
You are on the right page, as this article will help you to know about the best health insurance plan available in the market.
CignaTTK Health Insurance is one of the best plans that offer comprehensive coverage against the expenses incurred due to a medical emergency. It is a global health services provider leader in Indian insurance market.
Cigna TTK Insurance Company has provided the license from IRDA in the year 2013 and started its operations in the month of February 2014. It brought some amazing range of health insurance products along with an enhanced customer service experience to the insurance market in India.
Benefits and Types of Cigna TTK Health Insurance Plan
The best part of its health insurance plan is that it is accessible to everyone because it is affordable. It does this with the help of different plans that ensures a safe and secure life. These health insurance policies are designed on the basis of a potential customer’s health coverage requirements. Cigna TTK health insurance plan provide coverage at different levels and for different health problems.
The following Cigna TTK health insurance plans are comprehensive in nature and protect both individual and families against medical expenses.
1. ProHealth Protect Plan
2. ProHealth Preferred Plan
3. ProHealth Plus Plan
4. ProHealth Premier Plan
5. Lifestyle Protection - Accident Care Plan
6. Lifestyle Protection - Critical Care Plan
7. ProHealth Accumulate Plan
Common Benefits offered under Cigna TTK Health Insurance Plan
• Cigna TTK health plans offers in-patient hospitalization expenses
• Insured can avail room rent on sharing basis.
• Hospitalization expenses as mentioned under the policy - Surgeon fees, OT charges, blood, oxygen, costs of anesthesia, surgical equipment, medicines, and drugs.
• Pre-hospitalization expenses arising out of doctor’s fees, medication costs, diagnostic tests etc are covered for up to 60 days.
• Post-Hospitalization Expenses arising out of consultation fees, diagnostic tests, medication costs etc are covered up to 90 days.
• Day Care Procedures that need less than 24 hours of hospitalization.
• Domiciliary treatment expenses are also covered under this plan.
• Ambulance Charges is offered up to Rs.2, 000 per hospitalization.
• Donor hospitalization expenses are covered.
• Pre-Existing Diseases are covered after a waiting period of 48 months.
• Medical emergencies abroad.
• Reimbursement option.
• It offers some amazing Add-On Critical Illness Cover that covers the expenses related to specific illnesses.
• Entry age for buying this plan is between 18 to 65 years.
• Sum insured paid out as a lump sum upon diagnosis.
Tips to Buy Cigna TTK Health Insurance Plan Online
While buying a Cigna TTK health insurance plan you should consider the following buying tips:
Analyze your medical coverage requirements this will help you to buy the best insurance policy in the market. Once you are aware what you want out of your health insurance plan you will be able to choose a plan that includes all the coverage that you need.
Compare different health insurance policies offered by Cigna TTK Insurance Company. All you need to do is visit the official website of Cigna TTK and search for health insurance plan. You will find the details of different health insurance plans offered by Cigna TTK Insurance Company. Compare these plans on the basis of different criteria like coverage, benefits and renew-ability options.
You may like to read : Cigna International Health Insurance Plans
Calculate the premium amount of the policy that you are going to buy. This will help you to find out the best insurance policy at the nominal premium amount.
Best health insurance lets you save money that you pay during the hospitalisation and medical treatments. It is not certain that you will stay fit and fine throughout your life. There might arise such situations that would create emergence and you do not get time to think at the last moment. Moreover, the accelerating medical cost and hospitalisation are touching the sky and would also go beyond the present level within few years. It would be beneficial to all of us to secure our health and take any move freely.
Insurance Companies are offering its health insurance plans at affordable prices then why be late to grab the opportunity to secure our life. Not each of us follow the same lifestyle or have the same standard of living. This is why it becomes important to find the suitable health insurance policy at reasonable rates. Max Bupa health insurance company is probably providing insurance products at such prices to attract wider participants. Not only attractive offers but also easy access to purchase and renewal of respective policy online without any complex step.
Medical examination for Max Bupa health insurance
Under Max Bupa health insurance plans you need to go under medical examination so that the insurer gets to know what are the health conditions you are going through. Also, your family health check up would be done to ensure the same. This procedure is followed only during purchase of medical policy and not on renewal. Once you undergo medical check up and pass the test you can easily get health covers.
The Heartbeat Plan under Max Bupa
Heartbeat policy has been designed to simplify the policy terms and conditions. You get health coverage which ranges from Rs. two lakhs to two Crores. Most importantly, under Max Bupa there is no age bar and covers family members belonging to any age. There are more than three thousand hospital networks with Max Bupa and you get cashless facilities across the nation. There are options to accelerate or extend your plan if the insured thinks that the policy coverage is not enough to suit the family needs.
The Health Companion plan
Under health companion plan of Max Bupa the insured can directly approach to the company and there is no interference of any third party in between. This not only saves time but also lets you come forward and discuss the matter directly. You get coverage plan of rupees two lakhs to rupees two crore with minimum exclusion list when compared to other similar health insurance companies. Moreover, you get cashless facility under this plan too and the coverage extends to day care treatment and ambulance service.
Before planning to purchase health insurance the proposer must be aware of the suitable needs of the family and their health conditions so that it is not too late to get insured. Max Bupa is a standalone company to provide such benefits to its customers to best suit their needs.
You may like to read : Check out the best health insurance plans from Max Bupa
Star Health and Allied Insurance Co Ltd is an Indian company, which offers some amazing solution related to insurance plans in the insurance market. It was claimed to be the first Insurance Company to design and launch a special insurance plans for people who are suffering from Cardiac ailments, Cardiac problems in the years 2013. This plans offers protection to the persons who had undergone Heart Surgeries.
Benefits under Star Health and Allied Insurance Co. Ltd.
1. Buy Regular Plans
Star Health Insurance Plans in India are cost effective, but only when you choose to buy coverage that are essential for you. If you choose to include multiple coverage and benefits under a single health insurance plan the premium automatically get increased.
Some important coverage that are mandatory under a plan are routine medical expenses like Doctor’s Consultation fees, Medicine expenses, Dentists fees and coverage for such expenses are therefore mandatory for everyone. Along with a huge hospitalization bill these small expenses can also eat way more than a couple of months’ salary or savings.
2. Don’t Compare Premiums
When you are comparing health insurance plans in India, never consider comparing premiums as a primary step. Health Insurance is really important during medical emergency; you can easily compare and buy online within few minutes. Always compare the offerings of the policy first before comparing its premium rates. Because this offers a secure and the best medical facilities at top medical service providers with financial back-up.
3. Look for Maximum Renewal Age
This is one of the most important things you should consider while buying a health insurance plan from the market. Check the Maximum Renewal age under the policy, which will help you to get discount on your health insurance plan.
4. Look for Limits & Co-pay
Analyse your treatment wise limits and then select your health insurance plan from the market. When you choose treatment wise limits under your health insurance plan you are eligible for the amount you can claim for a particular surgery under your health insurance policy
5. Daily Cash Allowance under Health Products
There are many health insurance plan that are sold in the market for example Aegon Religare Life, Tata AIG General, but there are some extra comprehensive coverage offered under a Star health insurance plan like daily cash benefit during the hospitalization . when you are hospitalised for any surgeries it require an average of 6-10 days, so the health insurance plan by Star Insurance Company offers daily cash allowance as per the sum insured selected under a plan.
You may like to read : 10 Smart things to compare before you buy Health Insurance in India!
The aforementioned 5 things are really important to consider before buying any health insurance plan in India. For further assistance you can contact the customer care of Star Insurance Company or you can contact an insurance agent.
Max Bupa Health Insurance Company has been formed by a joint venture between Max India Limited and Bupa which is a healthcare services company based in U.K. Through this joint venture the insurance company aims to benefit from Bupa’s over sixty years of healthcare segment experience, presence in more than 190 countries and a customer base of 29 million.
Max India also benefits the joint venture company by way of its experience in hospitals, clinical research and life insurance.
Max Bupa Health insurance company is a blend of global and local expertise and has been actively pursuing its mission of becoming the leading health insurance firm of the country by constantly raising the bar of its service standards, ensuring full commitment towards fulfillment of customer promises and establishing long term customer relationships.
Overview of Max Bupa Health Insurance Plans
Max Bupa Health Insurance Company offers its insurance products under three main categories. Max Bupa health insurance plans can be taken as both individual health plan and family health plan. The three main plans are:
Why to buy Max Bupa Health Insurance Plans?
The criteria for choosing an health insurance firm rests on the reputation of the firm with respect to customer service parameters. The following aspects make Max Bupa health insurance plans rank high among customer preferences:
Salient Features of Max Bupa Health Insurance Plans
Max Bupa Health insurance plans are well categorized and well defined plans with differential features so as to provide customized health insurance solutions. The salient features of Max Bupa Health insurance plans include:
Benefits of Max Bupa Health Insurance Plans
Exclusions of Max Bupa Health Insurance Plans
Benefits or claims may not be claimable under Max Bupa health insurance plans if those are not part of the included list. Non genuine or uncovered claims are likely to be rejected. The general exclusions include situations pertaining to self injury, suicide, mental illness, criminal acts, taking part in hazardous activities, taking part in war, cosmetic procedures, intoxicated condition casualties, casualties due to self carelessness, procedures not requiring genuine hospitalization and many more such instances.
Documents for subscribing Max Bupa Health Insurance Plans
The documents required for purchasing Max Bupa Health Insurance plans include the general documents like address proof, identity proof, proof of date of birth, income proof, medical testimonials. Documents against such proof include aadhar card, pan card, passport, electricity/gas bills, birth certificate, matriculation certificate, income statement, bank statement.
You may like to read : Check out the best health insurance plans from Max Bupa
Claim process for Max Bupa Health Insurance Plans
The claim process at Max Bupa is seamless and hassle free. If you are seeking cashless treatment then get admitted to any of the networked Max Bupa hospitals and use your card or provide your policy number and required personal and policy details to hospital authority. The claim is then settled between Max Bupa and hospital authority directly.
For reimbursement of incurred expenses, insured needs to submit all original bills and required documents along with filled in reimbursement form and after authenticity check claimed amount is released within stated time period.
Star Health and Allied Insurance offers a wide number of the various health policies that protects the insured persons’ financial goals when he/she faces medical emergency. The star group acknowledges the relationship between the economic inflation and the rise in the medical costs. In coordination with that, it formulates insurance plans and offers sufficient coverage and cost effective medical treatment to its customers.
Before zeroing down the health insurance policies, compare Star health insurance review with health insurance reviews of the other companies. Star Health Insurance takes care of all your insurance needs.
Every plan meets a variety of medical costs in its own unique ways which offers convenient, hassle free, and direct settlement of claims. There is no role of any third-party and they offer cashless facility and absolutely free medical advice on phone, anytime. This is why the insurer is the most preferred insurance provider.
The group has been ranked next to India’s leading health insurance providers. It has bagged eminent awards which are mentioned below.
1. Most Promising Health Insurance Company in 2014.
2. Claims Service Company of the Year in 2014.
3. Rated as the Best Claim Settlement Process Company in 2015.
4. Health Insurance Company of the Year in 2015.
What are the Key Features of Star Health Insurance Policies?
Out of the plethora of key features, the below mentioned are the four key features of Star Health Insurance Policies.
1. Operating Across the Nation
After operating for more than a decade in India, Star Health Insurance has gained the reputation of being the most trusted health insurance provider.
2. Customer Oriented Services
SHI offers customer oriented services and top-notch facilities at the best rates. It has set a bench mark in the health insurance sector of India.
3. Comprehensive Layer of Protection
Star Health Insurance offers various mediclaim policies to individuals as well as families which provide the comprehensive layer of protection against a variety of medical emergencies that includes emergency surgery expenses too.
4. One Stop Solution for all your Medical Needs
There are so many insurers out there that offer plenty of mediclaim plans but Star Health Insurance offers various health insurance plans with so many benefits for its clients from all walks of life.
You may like to read : 10 Smart things to compare before you buy Health Insurance in India!
What are the Benefits of Star Health Insurance Policies?
Star Health Insurance offers myriad benefits that are icing on the cake.
1. In-House Settlement
SHI Company provides in-house settlement directly and it does not rely on any third party for the claim settlement(s).
2. Hassle-free Settlements
The insurance provider is well-known for super fast, hassle-free and convenient mediclaim settlements.
3. Immediate Cashless Hospitalization
It offers immediate cashless hospitalization to its policyholders. It offers the facility of reimbursement in 7000 plus network hospitals all over the nation.
4. Wide Presence
With more than 6000 branch offices, the company has registered its wide presence all over India.
5. Individualized Doctor Visit
The insurer offers individualized doctor visit when its clients are getting hospitalized.
Insurance is a protective tool. This is the fundamental meaning of what is an insurance terminology stands for. There are many types of insurance and the most common is the life insurance. We all can at least afford to have a life insurance. Having a life insurance is not enough. You must have a legitimate health insurance policy. As the old saying goes, “Health is wealth”.
What facilities come under the health insurance or mediclaim policies?
Health insurance or popularly known as Mediclaim Health Insurance policy helps a policyholder to avail coverage on emergency hospitalization and treatment of any diseases. The hospital bills can be very high in case of a serious illness. Health insurance or Mediclaim policies help in covering up the costly expenses like:
The health insurance plan requires you to pay a small premium every year and in case of a big hospitalization emergency in the near future, your hard earned finances are secured. You can either buy a health insurance plan for yourself or purchase one for the entire family.
How to avail the best mediclaim policy?
With India’s high mortality rate, you must ensure that the health insurance plan you are going for will provide you a number of benefits in the long span. So, you need to look for the following factors to buy the best mediclaim policy in India:
• Sub-limits and co-payments are the things that help you lower your premium rate. However, you need to look closely in these factors before buying the insurance policy as lower premium does not guarantee you the best health cover.
• Claim settlement record of the company that you are going for should be good. In case of future disputes, the company should not harass you.
The key to buy best Mediclaim policy in India is to look for a comprehensive plan. Don’t blindly go for the company that gives you the lowest premium rates as it may not cover all the benefits that you need from your health insurance plan.
The network hospitals that come under the insurance companies are different and you need to look for the company having network hospitals that are much closest to you. Thus you will not have to run around with documents when you are ill and stressed.
Key benefits of having Oriental Insurance Individual Mediclaim Health Insurance policy
It is also known for offering various health insurance covers, which have various key benefits.
Individual Mediclaim Policy
This Oriental insurance mediclaim have the following benefits:
So invest your time and energy in Oriental Insurance Individual Mediclaim Health Insurance policy and see the difference.
You may like to read : Review Of Public Sector Health Insurance Policies
Health insurance is defined as an insurance policy that helps you seek cashless treatments or enable expense reimbursement if you fall ill. If an individual’s medical condition is covered under the policy, then the insurance company would be bound to make the payments. You should compare the various health insurances before buying from Tkk Health Insurance.
Before getting into details how you should compare the various insurance policies, know the importance of a health insurance.
Significance of Health Insurance
Health matters are quite concerning and so it is important to buy a health insurance policy that can meet hospitalization costs, medical outlay, laboratory test costs, medication costs and critical illness costs. However, it is quite confusing to know exactly which policy to buy, can the policy offer you all benefits, the type of illnesses covered under the policy and much more.
You should compare the various health insurance policies offered by the top insurers and try and buy the best plan. You can compare the various insurance policies on the basis of what you seek from the policies and what you can benefit from the policies.
What you look for?
Any individual opting for a medical insurance seeks coverage for surgical bills and expenses. Compare and find out which medical insurance offers cashless facility along with claim reimbursement.
Generally, an individual often seeks a fixed amount on daily basis from the insurance policy that can meet all hospital expenses. Therefore, it is important that you get a comprehensive hospital cash plan.
You may like to read : Why Cigna Health Insurance Plans is the one you should go for?
It is common in individuals to seek a handsome amount to help your family deal with daily expenses related to any critical illness of you. Also, there is the requirement of a fixed amount of cash so as to avoid financial trouble while seeking treatment for partial or total disability that leads to loss of earnings. In that case, make sure that your insurance policy can cover those expenses for you.
Make sure that your medical insurance plan offers coverage for expenses in the event of normal or caesarean delivery. Also, look for coverage and insurance that ensures your entire family during any kind of medical emergency. Also, make sure that the insurance policy offers coverage for senior citizen health issues. In that case, you should look for an insurance policy that covers senior citizen health insurance, family health plan, maternity plan, and so on.
The Different Types of Health Insurance plan you can avail in India
In our country, the increasing expenses for health costs have encouraged many insurance companies to devise health insurance policies. Remember, a health insurance is more than ensuring health security which also entails a proper hassle-free claim resolution.
Thus, log onto online and compare the different health insurance policies. This will help you select the best one that can provide adequate medical coverage for all your needs.
Max Bupa Health Insurance Company Ltd., also popularly known as Max Bupa is a collaboration between the company Max India Limited and Bupa, which is a the UK based healthcare services pioneer. The merger has Bupa boasting of an experience of over 6 decades in the competitive industry and has over 11 million customers from over 190 countries and on the other hand, Max India Group that is considered a leader in the Indian health and insurance segment including hospitals, life insurance and any health related clinical research.
Comparing Max Bupa Health Insurance Plans:
Max Bupa Health Insurance Plans for Individuals, Nuclear Families and joint families. They are classified as follows:
1. Heartbeat at Max Bupa
The aptly named Heartbeat plan is an easy plan to understand, to buy, and it provides comprehensive health coverage for you and your family, up to a solid Rs.1 Crore.
a. The Heartbeat Health Insurance Plan can be applied to the traditional Indian joint family wherein up to 14 relationships are covered, where there is an individual sum insured for each member of the group. You could also go for a floater sum insured that can be used for any/all of the insured family members.
b. It gives Comprehensive Cover to help stay protected 24x7 with a health coverage ranging from Rs. 2 Lakhs to 2 Crores, that is, 1 Crore when insured for the extended family.
c. The scope of exclusions per this policy is very limited.
d. There are no age limitations and can cover your family members of any age.
e. It covers Cashless Treatment in a wide network of 3500+ hospitals wherein cashless hospitalization can be availed along with complimentary Health Check Up upon renewal of insurance policy.
f. It also brings in Insurance Cover for Maternity & New Born Child providing you maternity benefits for up to 2 deliveries. In this case, the baby is automatically covered from the date of birth up to sum insured till the next renewal of the plan. Health Relationship Loyalty Program- Irrespective of claims raised, we offer you two reward programs to choose from- A) Earn & Redeem, B) Increase Sum Assured.
g. There is also a Discount on Policy, that is, when you purchase a policy for two years, a discount of about 12.5% is applicable on the second year premium.
h. There is also the option of Tax Savings under Section 80D of the Income Tax Act.
This is another great plan under Max Bupa. This has the following pointers:
a. Direct and Simple Claim Settlement
A simple system of claims settlement that allows one to talk directly to the company and not some third party which in turn helps in saving time and money.
b. Cashless Treatment
You can avail cashless treatment at a wide network of A-quality hospitals across India.
c. Assured Policy Renewal for Life
Under this plan you have the privilege of guaranteed policy renewal for life, at no extra cost or loading based on your claims history.
d. Under this plan you have All Day Care Procedures covered, rather than a select few.
e. Picking this plan gets you Tax Savings under Section 80D of the Income Tax Act
f. 24x7 Access to your Policy
g. This is a unique fixed benefit plan that helps you financially in the vent of sudden eventualities like accidents, illness and other instances
Max Bupa Health Insurance is an insurance that brings its patrons a wide scale of health insurance plans that help protect an individual as well his immediate and/or extended family from the uncertainties and health-related emergencies that commonly affect the unprepared.
You may like to read : Max Bupa Health Insurance Benefits
Oriental Insurance has walked a long way and it has been a successful story. With a premium of Rs. 99, 946 in the year 1950 to a total of Rs. 7561 crore in the year 2014, the company has grown exponentially. Apart from India, the company offers overseas services to Kuwait, Nepal and Dubai. The best part is the different insurance policies offered by Oriental Insurance Mediclaim can be renewed online.
If you are looking for cashless mediclaim policy, then this is the right place for you. The features of individual mediclaim policy as offered by Oriental Insurance Mediclaim include:
1.Individual Mediclaim Policy
Pre and post charges of hospital- This includes a period of 60 after and 30 days before hospitalization
Hospitalization expenditure- If a person is hospitalized for more than 24 years due to accident, surgery, sickness.
Day Car expenses- For all the listed day care processes that do not require hospitalization for 24 hours.
Dental Treatment- This is actually necessitated due to accident
Ambulance charges- 1 percent of the sum assured is up to max of Rs. 2000
2.Overseas Medical Claim
This policy is particularly designed by Oriental Insurance Mediclaim to protect the financial interests and health of people who are traveling abroad for fun, job, business, etc. The features are:
This Oriental Insurance Mediclaim covers the different expenses for treatment of injury or disease that is sustained during travelling to foreign countries.
Under this plan, the insured can enjoy a range of benefits that include coverage for dental expenses, coverage for expenses incurred due to medical evaluation, covers for expenses that are incurred on the transport to India, in case the person dies abroad. Even for personal accident cases, the insured is eligible to get the total sum insured under personal accident. However, it should be kept in mind that the accident should be the cause of death, permanent total disablement and irrecoverable loss while travelling under the Oriental Insurance Mediclaim policy.
Any group or institution that has more than 50 members can make this claim. Under this policy, the insured is eligible to enjoy a group discount. What are the key features?
What are the benefits?
This Oriental Insurance Mediclaim policy offers coverage for hospitalization expenses which include room rent and nursing charges, ICU charges, Ambulance charges, doctor fee, ambulance charges etc.
4.Health Privileged Elders
Under this policy, it offers cashless services of up to Rs. 1 lakh. You can avail discount of 5% on premium, health check-up for four consecutive claim-free years, room charges, ICU charges and so on.
You May Read : Oriental Insurance Mediclaim Plans – Get assured with the best one