The importance of mediclaim policy has included it in the category of basic necessity. However, people are still confused about what possible benefits they can get from the Oriental Insurance Mediclaim. Moreover, if they have the policy, they do not know how to go through the claim procedure.
One of the most popular insurance policies provided by the Oriental Insurance Company is the mediclaim one. Offering a wide range of policies for meeting the needs of senior citizens, young population and family members, oriental insurance mediclaim policy rises above all. This effective policy for all the Indian citizens has become useful for everyone regardless his/her age or economic status in the society.
Information on Oriental Insurance New Mediclaim Policy
Oriental Insurance Mediclaim offers coverage on the hospitalisation expenses and the hospitals are required to be completely licensed consisting of efficient authorities. Additionally, if you choose the treatment network hospitals are:
Generally, you are provided with the coverage on any treatment for oriental insurance mediclaim online purchase when you stay in the hospital for 24 hours. The perks of the policy include the sum insured amount ranging from Rs. 1 lac to Rs. 10 lacs. Additionally, you can get lifetime renewals along with all the ambulance charges so that you get the utmost level of protection from financial loss. Moreover, the insured can get 5.5% off in premium if he/she does not choose to use the TPA service.
What are the Exclusions?
When you are choosing the Oriental Insurance Mediclaim, you are offered huge benefits but you always do not get coverage for every injury or treatment. The insured imposes certain rules and regulations on the pre-existing disease and the insurer may not get coverage for the pre-existing diseases always.
Things to Keep in Mind
When you are applying for the insurance you need to update yourself with oriental insurance mediclaim rates. You should read the terms and condition of the cancellation policy to understand why it is charged Rs. 101. In addition to the context, the policy follows the legal aspects of regulation 5 of IRDA (Protection of Policyholder Interest) regulation.
What is a Claim in Oriental Insurance Mediclaim?
The claim is the procedure through which you request the insurance company to offer compensation or coverage for the medical expenses. After validating the claim and approving, the insurance further agrees to proceed with the payment. In addition to the context, the interested party of the insured can apply for the oriental insurance mediclaim policy renewal on behalf of the insured.
What to Do with Claim Form
You invest in Oriental Insurance Mediclaim to enjoy the benefits when the need arises. For availing the service, you need to go through the oriental insurance mediclaim premium chart to understand on what basis your premium is decided. Now when the time of claiming comes, you can take help of the insurance agent who will walk you through the procedure. At first, you need to get hold of oriental insurance mediclaim form from the official website or branch of Oriental Insurance Mediclaim.
In the oriental insurance mediclaim policy form, you need to fill certain things up.
Oriental Insurance Mediclaim Claim Form Procedure
When you are done filling up the form, you need to submit to the agents of Oriental Insurance Mediclaim along with the premium receipt and policy. Additionally, the medical treatment and discharge reports are to be submitted. Original test reports of sonography, X-Ray and ECG must be provided for making use of the benefits of oriental insurance mediclaim for senior citizens.
Hence, now you know how it is easy for you to ask for the claim and get help whenever any medical contingencies arise. If you still are confused about the pre-hospitalisation and post-hospitalisation charges, you can ask the customer service.
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Established in 2006, Star Health Insurance Company gives a tough competition to the older insurance houses with its extensive range and variety of health and medical insurance products.
The popularity of Star Health Insurance Company is due to its larger coverage at the lower expenses. You can avail better medical and health cover facility at considerably lower prices.
Why to Choose Star Health Insurance Plans - Super Surplus Gold Super Top Up Plan?
Get larger insured sum at considerably lesser premiums.
Pre-existing health conditions get covered at the completion of 3yrs of the policy term period.
No need to undergo medical tests before purchasing the Star Health plan.
Both individual insurance plan and family insurance plans are available.
Lifetime renewability of the policy is allowed.
Moreover, it has an additional benefit that allows you to take second opinion if needed.
Eligibility Criteria of Star Super Surplus Gold Policy
• Minimum age of the insured at the time of entry should be 90 days and maximum limit is 65yrs.
• Maximum age for the renewal of Star Health Insurance Plans is 75yrs.
• Term period of the plan is 1yr.
• Star Health Insurance provides only individual health floater plan.
• Minimum insured sum is 5lakhs and maximum insured sum is 25lakhs.
Chief Features of Super Surplus Gold - Star Health Insurance Plans
o Affordability → this super surplus gold top up plan by Star Health Insurance is designed to give wider protection at reasonable prices.
o Claims → in this Gold Top up plan claim amount is activated after exceeding the stated limit of medical expenses by the insured person.
o Ambulance → it offers air-ambulance facility which amounts to almost 10% of the total insured sum.
o Day Care Option → it allows you to avail 405 day care methods in which you may not require to take admission in the hospital. Besides, it allows you to go for a second opinion.
o Pre and Post Admission Expenses in Hospital → Star Health Insurance Plans offer to bear your admission expenses 1 month before the admission in hospital and 2 months post admission in hospital.
o Rent → this Gold plan offers no capping over the rent of the room. It takes care of the expenses of room and nursing which almost amounts to ₹4 thousand per day up to 2% of the Insured sum.
o Co-Payment Option → almost 10% of the expenses is allowed for co-payment facility, provided the age at the entry is more than 60yrs.
o Cover → this Gold Plan by Star Insurance company also takes care of the fees of consultation, cost of medicines, expenses of operation theatre, charges of transfusion of blood and pace maker.
Benefits of Star Health Insurance Gold Top Up Plan
Free Trial Period – this gold plan allows free trial period for the Star Health Insurance Plans. During this look- up period you may decide to not to continue the plan and ask for the repay of the insurance sum within 15 working days.
Port Facility - Star Health Insurance Plans allow you to port your policy to other insurance company when your policy is near the end of the term, provided you must give written information to the Star Health Insurance Company 45 days prior to renewal of the plan.
Cooling Period of the Plan - Star Health Insurance Plans offer 30 days of cooling period right after the inception of the plan. During this period you can claim for illness except for those caused due to an accident.
Disease Specific Cover - Star Health Insurance Plans also provide some disease specific cover within the policy which activates 2yrs after the inception of the policy. The listed diseases are cataract, kidney stones, arthritis and so on.
Online Purchase Options – Star Gold plan offers online policy maintenance and purchase facility to the insured persons. You can enhance the range of your policy coverage, modify the assured sum, and include whole family as in family floater plans online.
Exclusions in the Star Insurance Gold Top Up Plan
Treatments related to dental problems
Injuries incurred by War or by nuclear actions
Circumcision or cosmetic surgeries
Treatment of self inflicted injuries
Vaccination and other congenital illnesses
Treatment of infertility or in-vitro method of fertilization
Cover to pregnancies, abortions or miscarriages
Sexually Transmitted Diseases
Mental and psychological disorders
Star Health Insurance Super Surplus Gold Top up plan also qualifies for tax deduction facility within the premises of Sec. 80D of Indian IT Act. Remember, like other health insurance plan Star Super Surplus Gold Top up plan provides tax benefits beyond the limits of Sec 80C of Income Tax Act. Star medical cover plan, thus, lets you to enjoy all the facilities of a proper medical insurance policy but at the same time goes easy on your pockets.
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Given the inevitable unpredictability of the human life, it is always imperative to get hold of a sustainable health insurance scheme.
Generally speaking, most individuals, given the magnanimity of insurance schemes in the market, tend to get confused about which would be the most apposite health insurance scheme. Consequently, most individuals tend to settle for a scheme that is only relatively better, at times very unfavourable also.
Therefore, here are some of the best health insurance plans currently doing the rounds:
Health Companion Individual
Health Companion Family First Plan
Family First Plan
Family Floater Plan
Family First Insurance Plan
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Health is wealth. There are no two ways about it. The cost of medical attention is high. This can be a substantial fiscal burden especially when there is a medical emergency. The only remedy is to be prepared! A Medical Insurance is the best solution to this end.
A Health Insurance policy entitles you to receive cashless medication in one of the numerous network hospitals of the Insurer, even if you are abroad. If you are receiving treatment in a hospital not covered by the Insurer's network, then you can make a claim on the medical bills as per the terms and conditions of the Insurance policy after treatment.
About the Company
Star Health Insurance is one of the popular Health and Medical Health Insurance providers. Initiated in 2006, the Company has settled 3,78,710 claims amounting to Rs.1378.13 crores in the 2016-17 year alone! The Company has set up 290 branches to serve its clients across India.
Reasons to buy Star Medical Insurance
There are many reasons to buy Star Health Insurance and Star Medical Insurance. The Policies offered to include Health Insurance, Personal Accident Insurance and Overseas Mediclaim Insurance. The company is in agreement with more than 8200 network hospitals across India for Cashless Claim settlement. More than 85% of cashless Medical Insurance claims are settled within 2 hours by the Company. You can make use the Star Health Insurance Claim form available online and register your request from any part of the world!
Achievements of the Company
Here is a list of firsts, award and accomplishments of Star Health Insurance
1. This was the first Insurance Company concentrating on Health Insurance alone.
2. Pioneer of Insurance coverage for Cardiac patients
3. Received the W.H.O award of recognition in 2017
4. Won the award for Best Health Insurance Provider from Business Today, Money Today in 2016-17
5. Earned the honor of Best Claim Insurance Settler from Hindusthan MaRS Survey
This Insurance provider is known to settle claims hassles-free, without the intervention of TPA. The policies are flexible and affordable by all strata of the society.
Star Health has an Internet presence
Star Health Insurance Customer care is online, and you can chat with an expert at any time of the day.
Take to the Internet for Star Health Insurance Online payments of Premium. However, first, create an account for yourself on the website and login. You can also to get information regarding policies, FAQs, register Grievances, know claim status or compare which plan works for your requirements.
Health Insurance Policies, Benefits and other details on the offer
Why are Star Health Insurance policies that have made them so popular? It is not only because its claims are processed faster. It is also because the policy coverage of Star Health is well-planned and covers different and unique Health Insurance requirements! Various Combi-policies are also provided. Here is a list of few well-designed policies of the Company:
1. Family Health Optima Insurance
A Floater based family policy: it is the best one for your family of growing members. Some of the highlights of this policy are:
● Coverage for the whole family at a price that you can afford
● Auto recharge without hidden costs
● You can avail Health checkup benefit for every claim-free year
● Coverage if you are planning for Assisted Reproductive treatment.
● Coverage for newborn from the 16 day
● Grace period provided for renewal
2. Senior Citizens Red Carpet Health Insurance policy
This is a comprehensive policy for individuals above the age of 60 and up to 75 years.
Some details of this policy:
● Provides coverage for pre-existing diseases after the second year
● No pre-medical tests required
● Coverage up to 10 lakhs
● Outpatient consultation facility in a network Hospital
3. Health Insurance for Corporate
Star Health Insurance also gives coverage for corporate employees for seven or more persons. Timely medical assistance, cashless Insurance and Tax benefits can be availed by all employees covered under these policies.
4. Accident Care Individual Insurance policy
Accidents are medical emergencies and entail immediate care and hospitalization. The fatality and the related expenses can be very high. In such cases, Star Health Accident Coverage helps mitigate financial and to some extent emotional situations thus:
● This policy provides cover for temporarily, Permanent disability and death
● 150% of sum insured is offered as compensation for permanent disablement.
● A weekly compensation of Rs.15000/- is provided for 100 weeks
● Discounts, Educational grants, discounts on online purchases are some other benefits on total disablement provided by this policy.
5. Special Policies -
(i) Diabetes Safe Insurance policies
Some features of Health Insurance policy for Diabetics are mentioned below:
● Regular Hospitalization expenses plus expenses due to diabetes and its complications
● Policy covers self and spouse
● Age eligibility 18 to 65 years
● Covers 400+ day care procedures
(ii) Star Cardiac care Insurance Policies
This pioneering policy is for heart patients. Some features are
● Coverage provided after 90 days of issuing the policy
● This policy covers 405-day care procedures
● Two plans in this Category - Gold and Silver
● Hospital cash facility can be availed.
To summarize, user-Friendly Coverage coupled with Customer Care and quick claim settlements are the most favorable reasons to buy Star Health Insurance.
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Star health insurance is a pioneer insurer of the country which offers a variety of policies and schemes to its customers.
To make things simpler for its customers, the company has recently launched Star Health Insurance Premium Calculator which contemplates the premiums and returns of a policy very easily. The Star Health Insurance Premium Calculator is also available as an app for mobile phones.
While the company provides a wide range of insurance schemes, one of its most popular one is travel insurance policy. It covers the clients and their valuables while they are travelling, making them enjoy their vacations or business trips with peace of mind. The clients can also use the Star Health Insurance premium calculator to know more.
However, Some Exclusions Are Made In Star Health Travel Insurance Policy:
About Star Health Insurance Premium Calculator:
Star health insurance premium calculator is an extremely useful tool for health insurance agents and clients alike. It can be downloaded from the Star Health website or from app stores.
The Star Health Insurance Premium Calculator helps in calculating premiums, making premium charts and Excel sheets, to summarize the insurance policies. This tool can also be used offline, and the premium quotations and values can be easily found at any time. Star Health Insurance Premium Calculator is a boon for everyone who wants to save some time while researching and calculating the valuations of the policy instalments.
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