Hotness All you should know about health insurance befo...

Hot Deal All you should know about health insurance before buying

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Imp Point: This benefit is only available for hospitalization in Government AYUSH hospitals or NABH accredited private hospitals. Only few private AYUSH hospitals take NABH.
@drjpatwa
NABH accredition I think is not compulsory now, I myself got reimbursement from a hospital which is only registered
http://pharmabiz.com/NewsDetails.aspx?aid=12045...
https://www.irdai.gov.in/ADMINCMS/cms/frmGuidel...

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Any best term insurance plans. My age is 40 years.

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And suggestions for parents aged 58 & 48

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Nice detailed articles and a lot of pointers, but these PSU insurers are not so bad, they don’t usually reject claims that often and their ICR remaining above 100% consistently.
Can see so many options to choose from, both from public and private providers.

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ashutoshsubudhi wrote:

And suggestions for parents aged 58 & 48

8927 premium 2 adult and two children upto 25 age

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Pm Me for
instant health policy for State bank of india account holders no document required
Cheapest premium is
No sign and no medical test for people upto 65 years with pre existing illness too

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I need info regarding medical reimbursement facility for mh state gov teachers
Please help me

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iamshashikant wrote:

Ok for senior citizens?

No other option for senior citizens in 8927
3 lakhs cover and you can take top up 1 lakh to 50 lakhs according to your need

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मैं Health Insurance हूँ:!

आप मरने के बाद मुझे उपयोग नहीं कर सकते;
मगर जीते जी मैं आपका बहुत बड़ा सहारा बन सकता हूँ।

मैं Health Insurance हूँ:!

मुझे पसंद करो इस हद तक कि हर साल मुझे अपने पास रखो

मैं Health Insurance हूँ:!

मैं पैसा नहीं मगर लोग मुझे पैसा बचानेवाली मशीन से कम नहीं मानते।

मैं Health Insurance हूँ:!

मैं कुछ कुछ नमक की तरह हूँ; बहुत जरुरी हूं मगर जरुरतसे कम हो तो जिंदगी का स्वाद बिगड़ जाता है।

मैं Health Insurance हूँ:!

इतिहास में कई ऐसे उदाहरण मिल जाएंगे जिनके पास मैं नहीं था,
इसलिये उन लोगाें को जीवन में पैसाें की मार व तंगी झेेेलनी पड़ी।
समाज मे रूतबा भी कम हुआ और फिर आर्थिक स्तर पर कभी अपने पैरों पर खडे नही हाे पाये।

मैं Health Insurance हूँ:!

मैं कुछ भी नहीं हूँ;
मगर मैं निर्धारित करता हूँ;
कि लोग आपको कितनी इज्जत देगें क्योंकि आप कौन से हॉस्पिटल मे इलाज करवायेगें।

मैं Health Insurance हूँ:!

मैं आपके पास हूँ तो आपका हूँ! तो आपकी मेहनत से कमाया हुआ पैसा सुरक्षित है।
आपके पास नहीं हूँ तो आपका कुछ भी सुरक्षित नही है।

*मैं Health Insurance हूँ:!

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मैं Health Insurance हूँ:!

मैं ईमानदारी से आपके पैसों की रक्षा करता हूं।

मैं Health Insurance हूँ:!

मैं सारी बिमारियों का हल हूँ;
और आपकी और आपके प्रियजनों की खुशियों का वाहक हूँ। -——————————————————-

स्वस्थ्य बीमा (MEDICLAIM) क्यों है जरुरी ???

1. जरुरी नही की हर समय घर में पर्याप्त नगद dollar💴 हो।
2. बीमारी 💉कभी भी बता कर नही आती।
3. हॉस्पिटल hospital में discount offers नही चलते।
4. Doctor आपकी मर्जी से इलाज़ नही कर सकता।
5. अपने परिवारजनों को दुख में नही देखा जा सकता।
6. स्वस्थ्य बीमा ना होने पर घर की कोई मेंहगी वस्तु ring🚕📿भी बिक सकती है।

7. व्यवसाय बिना कारण (Hospitalization) के आने वाले कर्ज की वजह से बर्बाद हो सकता है।
8. सड़क पर दूसरे वाहन की गारंटी आप नही ले सकते।
9. बीमारी या एक्सीडेंट आप की पैसों की व्यवस्था देख कर नहीं आएगी।
10. बीमारी पहले की तरह सस्ती नहीं है।

कौन ले सकता है स्वाथ्य बीमा ?
1 जो अपने परिवार से प्यार करता है।
2 जो मानसिक शांति पसन्द करता हो।
3 जो आयकर (80 D) में छ

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devbehel172 wrote:

No other option for senior citizens in 8927
3 lakhs cover and you can take top up 1 lakh to 50 lakhs according to your need

i think..for sr. citizens it is not mentioned in SBI premium chart shared by you..

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A health insurance policy helps you and your family to meet any unexpected medical emergency costs. But the penetration of health insurance in India is abysmally low. To address this gap and to ensure health insurance for all, the Insurance Regulatory and Development Authority of India (IRDAI), the country’s insurance regulator, has introduced a standard health cover policy that must be offered by all general and standalone health insurers. This standard health policy is Arogya Sanjeevani. Insurance companies including HDFC Ergo, SBI General and Manipal Cigna have already launched this product and soon other insurers may follow.

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devbehel172 wrote:

Content has been removed!

Bro., its fine that you want new Customers from here for your business but atleast give all correct information & Don’t spam the thread…

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drjpatwa wrote:

Bro., its fine that you want new Customers from here for your business but atleast give all correct information & Don’t spam the thread…

bro first of all i am an emploee of SBI and not a agentt and information i gave information which is correct and can provide policy guide lines too
Sorry if i have un intentionally spammed your post i was just helping and
i think free mein kisi ko advise do tho everyone thinks he will gain some thing from it

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Penalty for taking claim. Whenever you take claim in a year, your insurer will penalize you for it (Usually by reducing accrued NCB by same rate as of in increase). No penalty or low penalty is better.
E.g. Max bupa doesn’t penalize for taking claim
- Majority of PSU insurer (National, united etc.) don’t provide this feature.

Sir sbi general insurance do not penalize for taking claims sorry to say u are also also providing wrong information and by the way please tell which company provide policy in 8927 rupees of 3 lakh cover for two adult upto 65 age and 2 child upto 25 age in 8927
Kindly research before posting

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For me, Cigna Manipal is best. Also it gives you 2k OTC claim as well and hence you effectively reduce cost by 2k per person. No hassles for me as my agent does all the things but I haven’t had an opportunity to use it in last 3 years

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iamshashikant wrote:

Even as I said earlier Co like Alkem pharmaceutical Ltd have health insurance of Oriental insurance Ltd of psu . So you can think of it. That’s can be they found good . Macelods pharmaceutical Ltd had ( one of known person works there ) – Have new India assurance health insurance

Yes corporate do tie up with PSU. Even IBA (Indian Bank Association) has tie up with United for bank employees. But then they appoint dedicated persons to look after issues related to claim for that corporate.

As a Individual we don’t get that luxury.

My father is having United policy for ex-bank employees. My mother had cancer twice in 2016 & again in 2019. So, I have extensive experience of dealing with PSU insurer. In 2016 TPA was DHS & we had overall good experience barring 1-2 small deduction.
But in 2019-20 this time MDINDIA is TPA & despite there dedicated representatives are good, I am yet to get refund of around 50k for extra deductions they did & I challenged it with all proof.

So, you can go with PSU. but calculate risk reward ratio & have lots of patience for follow up…

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ep452 wrote:

Any specific reason or point for not having religare in your list? I am having Religare care plan from past 6 years. Family floater. @drjpatwa

Also is there option of health insurance transfer from one insurer to other along with ncb si?

Religare Care is good plan.
Reason why I skipped its name is because their owner got jailed last year & now new owner is there, which we don’t know, how well work.

Also this plan gives NCB max. To 50%, while other gives upto 100%.

So not wise for existing user like you to switched but for new policy, i personally will avoid it.

Ha ha. As per my knowledge No company gives benefit of increased SI due to NCB while porting.

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cocay wrote:

Way too long.
The sheer length terrifies me from reading it.

Ha ha. Better to read rather than regret at the time of claim…

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Oh didn’t know about SBI plans. Just took Religare last month.

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ideal wrote:

Imp Point: This benefit is only available for hospitalization in Government AYUSH hospitals or NABH accredited private hospitals. Only few private AYUSH hospitals take NABH.
@drjpatwa
NABH accredition I think is not compulsory now, I myself got reimbursement from a hospital which is only registered
http://pharmabiz.com/NewsDetails.aspx?aid=12045...
https://www.irdai.gov.in/ADMINCMS/cms/frmGuidel...

Thanks for pointing it out. 1st reference is about newly launched Aarogya Sanjeevani policy as directed by IRDA.

So we have to confirm whether it is applicable to all (old + new other) policy or not. Because policy wording is still same. Either Government / NABH or State approved (Don’t know exact meaning of state approved)

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drjpatwa wrote:

Check Religare Joy today plan. They have lowest waiting period for maternity cover – Only 9 months waiting.

There are other plans but that have waiting period of 3-4 years.

However calculate Risk reward ratio for taking maternity cover.
E.g. Religare Joy today plan for 5 lac SI will cost around 75k for 3 years policy. It will cover max. 50K for mother & max. 50k for new born child.

Don’t take it otherwise, But also keep in mind that what if u can’t plan baby in 3 years (Due to Infertility or other reasons), u will loose huge amount of premium.

Arogya Premier policy of sbi general insurance 16200 premium for 10 lakhs floater cover for two adults upto 35
age and air ambulance , maternity and Organ donor expenses and restore option also available
best and Cheapest plan in insurance industry with Just 9 month waiting period for maternity purpose.

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