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Health Insurance - Mediclaim - Medical Insurance


Health Insurance - Mediclaim - Medical Insurance

As human beings we are at all times prone to falling sick or getting a disease. Sometimes even a change in the weather can causes sickness. Health care is very expensive nowadays. More than the disease itself, it is often the cost of treatment that takes its toll.

Health insurance policy covers medical expenses incurred during pre and post hospitalisation stages. Buy Indian health insurance policy for you and your family and get rid of health care expense worries.

Mediclaim Insurance Policies - Common Coverage

  • Hospitalisation
  • Day care treatment
  • Pre-hospitalisation
  • Post-hoapitalisation
  • Pre-exsiting diseases coverage

Indian health insurance covers an individual’s hospitalization expenses and medical reimbursement facility incurred due to sickness. There are both public healthcare and private healthcare schemes in India. Most interested individuals rely more on private India health insurance.

The CSO and Citigroup Analysis 2008 indicate that medical expenses in the country have nearly doubled since 2001. Rising healthcare expenses encourage individuals to buy Indian health insurance.

Indian Health Insurance: Healthcare Policies in India
An insurance industry survey in 2008 points out that only 3% of the total Indian population enjoys coverage under healthcare policies. This small number constitutes both public-funded and private medical insurance. So, there is an urgent need to energize the health insurance sector. This would also help to avert financial expenses on medical treatment.

In India, public funded healthcare is available only to a small section of low income group people and to government employees only. The Employee State Insurance Scheme (ESIS) focuses on the public healthcare policy for low income groups. The Central Government Health Scheme (CGHS) offers medical treatment to government employees. However, people can opt for free medical treatment which is offered by any of the government-run hospitals and dispensaries.

In the private domain, three types of Indian health insurance policies are available. These are grouped as follows:

  • Individual medical insurance
  • Group medical insurance
  • Overseas medical insurance

Most Indians are privately insured, which usually means that they opt for a group medical insurance policy, which is known as Medicare. These policies are partially or wholly funded by the employer. Group medical insurance offers several benefits over cover, premium, claims and reimbursement. Only a limited high income group has access to individual medical insurance.

In terms of cover, a private insurance policy may be divided to cover specific segments. These include segments such as basic hospitalization cover, critical illness and daily medical treatment reimbursement. Based on individual requirements, it is possible to select a cost-effective healthcare policy that comes with reasonable cover.
Indian Health Insurance: Tax Deductions

The Indian government allows for tax deductions to promote the private healthcare system. An individual can get tax benefits up to Rs.15,000/- as premium paid to the Indian medical insurance policy. Complete tax waiver is also available for those who buy Indian medical insurance for senior citizens.

Want to know more or need assistance to select the best policy for your needs, fill up a simple form with QUICK APPLY and we shall revert to you with the best options available from the market!!!

Disclaimer: Please note that the information provided is collected from sources publicly available & we believe to be reliable. The website doesn’t warrant the accuracy, reliability & absolute information available on the website. Participation by site visitors or registered customers is on a voluntary basis. The policies are offered by various life Insurance & non-life insurance offering companies and eMediclaim does not seek to, either directly or indirectly, advise, offer, solicit or recommend that any person who is or proposes to become its member should purchase the Policy.
The logos displayed on this site in no way indicate tie up of the respective logo owners with eMediclaim Portal. or any affiliation what so ever between eMediclaim and respective logo owners. Should you have any objection to use of public information on this site, please contact us and we shall remove the content that you feel is not in public interest or has a copyright which prevents it to be displayed on eMediclaim.com website.

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Insurance Must for Foreign Students in Delhi University

Announcement by Delhi University Foreign Students Registry has declared that All the Foreign students must have some medical insurance, having evacuation clauses, before joining the University.

In a notification on DU website, students have been adviced to seek admission and provide medical insurance papers, to be eligible to pursue courses in India's premier university.