Health Insurance vs Mediclaim Policy

Lot of people confuse between health insurance and mediclaim and when the need arises, are shocked when their claims are not entertained or have a difficult time to figure out what to do when there is a requirement. While mediclaim is a form of health insurance, it is not enough with mediclaim alone […]

Why Insurance policy is declined by Insurance companies?

Health Insurance Company decline Health Insurance to people having from certain ailments/ illness / disease. Given below are list of illness / disease where Health Insurance is normally declined by Health Insurance company. Some of the Insurance companies have now launched specific plan wherein they cover people suffering from some of these illness with waiting […]

Other expenses and charges in health insurance policy!

What are other charges and factors for a health insurance policy?

Organ Donor Expenses In case of organ failure (especially kidney failure), transplantation of the organ become necessary. In such cases, a person of the family donates the organ to save the life. In such case two persons are hospitalised and […]

Hospital Room Eligibility in a Health Insurance Policy

Hospital Room Eligibility in a health insurance policy

Hospital Room Eligibility As mentioned some of the insurance company specify Room Rent Limit of 1% to 2% of SI. Depending of plan chosen, Insurance Companies specify eligibility single room or shared room. Many a times, other charges like Consultation charges, Nursing charges […]

How are Pre-Existing Diseases considered for a health insurance policy?

Health Insurance Policy with Pre-Existing Diseases

PRE-EXISTING DISEASES (PED) All the insurance companies provide for coverage for PED after 4th continuous claim free years with same company without break. But no company (except Max Bupa) is ready to cover a person with a history of Bypass operation & Diabetes. Further most […]