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Don’t Let Critical Illness Affect Your Finances

7

Jun, 2013

Don’t Let Critical Illness Affect Your Finances

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According to studies, cancer ranks as the second most deadly chronic ailment, expecting to cause 12,181,000 deaths worldwide by the year 2030 (source: Global Burden of Disease-WHO). However, with appropriate awareness and timely treatment, a lot of these deaths can be prevented. One of the main reasons why cancer may fail to get treated is the exorbitant cost of treatment. In this case, a basic health insurance plan can help relieve this burden only partially by covering hospitalization costs along with pre and post medical expenses. Such a plan may […]

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Types of Health Insurance Covers

17

May, 2013

Types of Health Insurance Covers

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A health insurance cover is the primary Medicare need for people. With the rapidly inflating costs for treatment, a health insurance policy acts as a lifeline when you fall ill. Health insurance policies come in several forms, and each fulfills a different function of financial aid. A composite health cover will consist of one or more of these policies, so that you are protected thoroughly against financial risk caused by an illness or accident. It is important to know about types of health covers, so that you can choose the […]

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Components of a Health Insurance Policy

17

May, 2013

Components of a Health Insurance Policy

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It’s not enough to just get a health insurance policy. It is also important to know what the different terms in the policy mean and what they do for you. Let’s start with some of the basic terms that you must know about: Sum Insured – Simply put, this is the amount of cover that one can opt for. This is the maximum amount up to which the insured can get benefits in the event of a claim during a single policy year. How this works: Let us suppose that […]

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Travel Tips for a Stress-Free Holiday!

16

May, 2013

Travel Tips for a Stress-Free Holiday!

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Going abroad for a vacation? Excited, but at the same time worried about the many things that can go wrong? It’s easy to have a stress-free holiday abroad, just keep these 10 tried-and-true travel tips in mind wherever you go: 1. Check your overseas medical services: Any country you travel to, find out how the medicare system works and the procedure for getting a doctor’s appointment. In some countries, it is not as simple as walking into a doctor’s clinic. Ideally, before traveling you need to ensure that you have […]

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Frequently Asked Questions on Extra Care – III

2

May, 2013

Frequently Asked Questions on Extra Care – III

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Here is the final part of the Frequently Asked Questions on Extra Care Policy. 1.     What is the minimum period of hospitalization required to be eligible for Claim Reimbursement? The minimum period of hospitalization required is 24 hours. 2.     In case of a claim for renal failure there would be multiple hospitalizations for renal dialysis. Please confirm how would the deductible be calculated for such claims? Is the deductible applied afresh for each claim of dialysis? As per the definition of “deductible amount”, if the first hospitalization claim is paid […]

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Frequently Asked Questions on Extra Care – II

25

Apr, 2013

Frequently Asked Questions on Extra Care – II

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Continuing on from our last post (Frequenty Asked Questions on Extra Care – I), here is part 2 of the most frequently asked questions on Extra Care: 1.  Can I cover my parents, brothers and sisters as dependants? Parents, sisters and brothers are not covered as dependants. Family means self, spouse and children. Parents have to opt for a separate policy for self and spouse. 2.     Do I get a family discount? Family discount is not applicable for Extra Care policy 3.     Is a Cumulative Bonus available in this plan? Cumulative […]

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