Mediclaim / Health Insurance:
A Mediclaim policy or a health insurance policy will help you cover the medical expenses in case you have to undergo certain medical treatment or are hospitalized for some reason. A Mediclaim policy basically provides a health cover of a certain amount of money and hence in the case of incurring any medical expenses, the expenses to a certain limit are borne by the particular insurance or the Mediclaim Company under whom you might have taken the Mediclaim policy.The Mediclaim policy can be taken on an individual basis or for the entire family if the need be. The amount of money that the company reimburses to the person who has the Mediclaim policy in his or her name will be dependent on the health cover that the company is providing. Mediclaim policies can be taken on an individual basis or on a family basis. Thus one Mediclaim policy may be enough to take care of the entire family Mediclaim policies also offer a chance to save tax through the Section 80D. And hence due to the immense benefits that the Mediclaim policies provide to you, the earlier you get a Mediclaim policy in your name the better it is.
| Company Name | Family Floater Plans | Individual Plans | Senior Citizens Plans |
| ICICI Lombard | Family Protect Premier | Protect Premier | Health Advantage Plus |
| Bajaj Allianz | Health Guard | Health Guard | Silver Health |
| Apollo Munich |
|
Easy Health | Maxima |
| Star Health | Family Optima | Medi Classic | Red Carpet |
Health Plans offered from Life Insurance Companies:
Health insurance insures you and your family against expenses arising due to a medical emergency and uncertainty of health such as a hospitalisation or the onset of a critical illness. It prevents a medical emergency from becoming a financial one; it ensures your health care needs are taken care of without you having to dip into your existing savings or compromising your future goals
1) ICICIPRU HOSPITAL CARE11
ICICI Pru Hospital Care II is a fixed benefit hospitalisation and surgical plan that offers you and your family, fixed payouts at various stages of hospitalisation in addition to benefit received from other medical insurance plans. It also offers whole life guaranteed insurability at renewal and cashless facilities across an extensive network of hospitals in India. You can also avail tax benefits under Section 80D of the income tax act
ICICI Pru Hospital Care II is a fixed benefit hospitalisation and surgical plan that offers you and your family, fixed payouts at various stages of hospitalisation in addition to benefit received from other medical insurance plans. It also offers whole life guaranteed insurability at renewal and cashless facilities across an extensive network of hospitals in India. You can also avail tax benefits under Section 80D of the income tax act
2) LIC JEEVAN AROGYA
It is a unique Cash Benefit policy where you are paid the amount on the basis of number of days you are hospitalised irrespective of the actual cost incurred. The main USP of this plan is that it can be taken over and above any medical reimbursement type of policy
It is a unique Cash Benefit policy where you are paid the amount on the basis of number of days you are hospitalised irrespective of the actual cost incurred. The main USP of this plan is that it can be taken over and above any medical reimbursement type of policy
3) ICICIPRU HEALTH SAVER (Market Link Plan)
ICICI Pru Health Saver is a comprehensive whole of life health insurance plan that takes care of hospitalization costs as well as all your health care needs.
While the hospitalisation insurance benefit ensures complete coverage for expenses incurred in the event of a hospitalisation, the health fund created; by investing a part of your premium in market linked funds, under the health savings benefit, ensures you of an adequate support system to take care of any other medical expenses.
ICICI Pru Health Saver is a comprehensive whole of life health insurance plan that takes care of hospitalization costs as well as all your health care needs.
While the hospitalisation insurance benefit ensures complete coverage for expenses incurred in the event of a hospitalisation, the health fund created; by investing a part of your premium in market linked funds, under the health savings benefit, ensures you of an adequate support system to take care of any other medical expenses.
