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.
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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. 2. Health@Companion 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 In Summation, 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 The Features
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: Features
This Oriental Insurance Mediclaim covers the different expenses for treatment of injury or disease that is sustained during travelling to foreign countries. Eligibility
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. 3.Group Mediclaim 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. Features
You May Read : Oriental Insurance Mediclaim Plans – Get assured with the best one The Max Bupa Health Insurance Company Limited also known as the Max Bupa is a company dedicated to provide health Insurance solutions to its customers. The company is a joint venture between the Max India Limited and Bupa, which is a UK based Health care services expert. The company is a perfect choice for health insurance solutions since they are a good combination of expertise at both the health and insurance services.
Importance of Health Insurance Policies The health insurance policies are a must have due to the mounting medical costs and increasing frequency of medical ailments among the people due to a sedentary lifestyle. With the support of a Mediclaim Policy by one’s side, an individual can at least be assured of taking care of the finances part at such an emotional hour of need. List of policies offered by Max Bupa Health Insurance Following is a comprehensive list of products that are offered by the Max Bupa Health Insurance. The company also offers online plans for the convenience of its customers. 1. Max Bupa Health Companion Individual This Plan from Max Bupa Health insurance is to cover medical expenses of the insured family members when they are hospitalized for treatment. 2. Max Bupa Health companion Family First A specially designed plan for the joint families in India, this one from Bupa Health insurance provides a cover to up to 19 relationships. 3. Max Bupa Health Companion Family Floater Plan This plan from Bupa Health insurance is designed for the nuclear families that includes the man, wife and up to four children. 4. Max Bupa Heartbeat Insurance Plan for Individual An easy and comprehensive Mediclaim plan from Max Bupa Health Insurance that provides a complete cover for all the medical expenses involved. It also has a unique feature of cashless coverage internationally. You may like to read : Most Affordable and Reliable Health insurance providers in India 5. Max Bupa Heartbeat-Family First Insurance Plan Another plan designed for the joint families. But this one covers up to 14 relationships where the floater sum insured can be used by any of the family members. 6. Max Bupa Heartbeat-Family Floater Insurance Plan This one from Max Bupa Health Insurance is a Mediclaim Plan that covers the members of an Indian joint family. It covers the medical expenses when the members of the family are hospitalized for treatments. It also includes maternity benefits for a maximum of two deliveries. 7. Max Bupa Critical Illness-Health Assurance Insurance Plan Under this plan, the critical illnesses are covered. A lump sum amount is given to the person insured to make sure a proper diagnosis is made. If the person insured is diagnosed with any of the critical illness covered under the plan, a lump sum amount is paid to him if he survives for 30 days after the diagnosis. 8. Max Bupa Personal Accident-Health Assurance Insurance plan This beneficial plan from Max Bupa Health Insurance not only covers accidental deaths but also other losses like permanent total disability, permanent partial disability and child education. 9. Max Bupa Hospital Cash-Health Assurance Insurance Plan With a benefit of coverage around the world, this policy basically covers hospital bills and other expenses like nursing expenses, transportation costs and attendant lodging etc. Max Bupa Premium Calculator Max Bupa premium calculator is a new application from Max Bupa that helps people to learn about the basics of premium calculation. The app also mentions the features and benefits of some of its main health insurance plans. It also enables one to calculate the BMI (Body mass index). Max Bupa Premium Calculator is a very user friendly application that can be easily downloaded and used. Getting a health insurance plan is like picking up the cherries in a cherry garden, it is that simple and convenient. But to have hands on the most suitable and affordable plan is what asks for a detailed research and comparison through the various modes available both online and offline. For getting access to cheap health insurance plans, you need to strategize your approach, and this calls for inclusion of a set pattern, while you work to choose the services of the best insurance company.
Steps to follow! To get a cheap and affordable health insurance plan, you need to follow certain steps that would contribute towards bringing a better opportunity in hand. Let’s take a look at some of the steps to follow;
And rating some of the excellent choices, to bring to your knowledge, oriental insurance mediclaim is one such option which proves to be more affordable while you get maximum benefits out of the same. This insurance policy brings to you the various benefits which include the following;
For individuals below the age of 45, benefits without pre acceptance is allowed, and the company also provides 10 % family discount. Apollo health insurance is basically a joint venture between the Apollo hospital and the Munich health. Operating since 2007, this insurance company has a lot of benefits to offer. While the insurance plans are cheap and affordable, they do not compromise on the benefits through which the beneficiary could get better returns. This is how you could choose the most affordable and cheap insurance plans and get higher returns while you pay low premium amount. Make sure to compare the deals before you hit on one. Oriental Insurance Mediclaim
The company was established in New Delhi and provides services all over India. It operates more than 30 regional offices and more than 1,800 operating offices. It is successfully serving a rural and urban customers base across India. Oriental insurance understands the rising cost of medical care in India. There are several types of unfortunate, unpredictable events that can lead to a medical emergency, for example, sudden illness, accident or critical illness. High medical treatment costs can cause great strain on a person’s financial status. Oriental Insurance Mediclaim policy helps the policyholder to live a safe and secure life. It provides different kind of health insurance product that provides different types of benefits and coverage. Oriental Insurance Meidclaim policies are very affordable, let us see the types of different policies provided under Oriental Insurance Mediclaim:
Star Health Insurance Star Health and Allied Insurance is a joint venture between UAE-based Oman Insurance Company and well known Indian organization. It is one of the biggest health insurance providers in Indian insurance market. The insurance company provides services across the country. It caters a wide range of customers. There are more than 6,000 hospitals network which helps the policyholder to get the best medical treatment around the globe. The company is known for its easy and quick claim settlement procedure. It provides various plans and also allows the customers to customize the plan according to their need. It insures to meet the different need of different customers. Let us check the various Star Health Insurance plan below:
Buying insurance policy is a tough task but it can be made easy when you check it online. This is one of the best ways to buy perfect insurance. Do not forget to compare and buy health insurance policy online. It provides you the clear picture of benefits and coverage provided under the health insurance policy. Online portals of insurance company also allow you to calculate the premium rates. You can easily find the premium calculator on the website of the insurance company where you can get the premium quotation of a different policy. Read below the way to compare and buy insurance plan effectively:
Health insurance policies are one of the best insurance products that are very popular amongst the customers. Medical care costs are very expensive these days. The simple medical test takes a huge amount of money in a single day. So it is very important to be covered under health insurance policies that provide assistance when you meet and medical emergency. There are different health insurance policy that provides multiple types of coverage and benefits. Make sure you read the details of the policy carefully before buying the health insurance product. Some common benefits and coverage provided under health plans are cashless hospitalizations, the expense of medical test, medications, and doctor’s consultation fees are covered under comprehensive health insurance plan. Oriental Insurance Mediclaim and Cigna TKK Health Insurance are one of the best insurance providers in Indian insurance market. Let us see the benefits and coverage of the policy one by one:
Oriental Insurance Mediclaim The Oriental Insurance Company was started in the year 1947. The company includes 30 regional offices with its headquarter in Bombay. This is one of the best private insurance companies in the Indian market. Oriental Insurance Company offers Mediclaim plan that provides medical assistance to the policyholder, spouse, and dependent children when they meet any unforeseen situation like a medical emergency. Its online presence provides lots of benefits to its customers as they can buy a new policy and renew the existing policy within a matter few minutes. There are multiple benefits and coverage provided by Oriental Insurance Mediclaim, read in detail below: Benefits of Oriental Insurance Mediclaim
Cigna TKK Health Insurance Cigna TKK Health Insurance policy provides financial assistance for expenses incurred due to hospitalization. It covers the expenses, for example, room accommodation charges, treatment costs, and medications expenses. Apart from the hospitalization expenses the policy also covers the before and after hospitalization expenses. It provides several health insurance plans that cover the policyholder against a different type of medical emergency, for example, The Protect Plan by Cigna TKK Health Insurance provides coverage of up to Rs. 10 lakhs for the policyholder and his families both. This plan provides a comprehensive coverage for overall medical treatment expenses. It also covers Day Care procedures expenses and domiciliary treatment expenses, for example, Ayurvedic, Unani treatment. Benefits under Cigna TKK Health Insurance
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AuthorHealth insurance adviser. Archives
May 2018
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