Health Insurance In Chennai - By Uii

May 10, 2012 - PRLog -- Why medical insurance is usefull? , What are the benefits?




Expensive medical treatment in hospital resulting from serious accident or illness.




Pre and Post hospitalization expenses are covered up to total of 90 days.




Protects the insured person for in-patient hospitalization expenses subject to a minimum of 24 hours

 These expenses include room and boarding charges as per the health insurance policy conditions.




Nursing expenses




Surgeon’s fees, Consultants’ fess, Anaesthetist’s and specialist fees




Cost of medicines and drugs




Emergency ambulance charges for transporting the insured patient to the hospital




*Income Tax discount under Sec. 80 (d)




* How can you make a claim under the policy?




With the ID card given to him, the Policyholder has access to cashless facility at various empanelled Hospitals all over India. 




Planned hospitalization – When the date of surgery or treatment is known in advance , inform the hospital help desk about policy. They will inform the concerned third party administrator (TPA) and take necessary pre authorization.




Unplanned hospitalization in case of emergency medical care , also inform hospital help desk about Id card and policy. They will arrange cashless facility.




If admitted in non-network hospital or cashless services not availed, the bills and hospital discharge summary with medical reports may be submitted to avail reimbursement of expenses.

If no claim is preferred under the policy for 3years insured is allowed a free health check up cost upto 1% of average sum insured. 




* What discounts are available?




Insured is allowed a premium discount of 5% for every claim free year upto a maximum of 25%

A family discount of 5% on total premium allowed

A discount of 10% in premium allowed to platinum policy if room rent is restricted to 1% of sum insured 

Special discounts available for group policies.




* Any Specific exclusions in health insurance Policy?




Disease contracted during the first 30 days of commencement of Policy.

Expenses arising from AIDS and related disease.

Treatment of cosmetic or athletic in nature. 

Treatment for diseases due to intoxicating drugs or alcohol

Pregacy or child birth or treatment for infertility disorders.




Visit : http://healthinsurancechennai.com