Types of health insurance
1. Individual Health Insurance –
It facilitates the health coverage of a single person. This implies that you can claim the premium for medical expenses of one person only. Its coverage is extensive, as the individual has their sum insured for themselves. It works better for senior parents.
2. Family floater health insurance
The entire family’s health expenses can be covered under a single policy, shared by all the family members. It is a cost-effective premium plan, as the premium is a one-time payment for all the family members.
3. Senior Citizens Health Insurance
Senior citizen plans address the medical needs and requirements of senior citizens. Few policies offer additional cover for hospitalization at home and psychiatric problems, etc. These insurance policies could be pricey and also might need a prior health check-up.
4. Critical Illness Insurance
It covers lifestyle-related diseases such as cancer, stroke, kidney failure, and cardiac diseases. Insurance seekers subscribe to them as an add-on with the regular health insurance policies or separately. They offer insurance for specific illnesses and pay in lump-sum when claimed after the diagnosis.
5. Group Health Insurance
Group health insurance deals with the insurance needs of a group of people, such as employers working at an organization or a community of people. The employer or the community leader purchases the group insurance for all their employees or citizens. These plans provide coverage for basic health issues and are quite affordable compared to other plans.
1. Cashless basis
2. Reimbursement basis
• If it is a planned treatment, inform the insurance company 3 to 4 days before joining the hospital for the procedure. You need to fill the pre-authorization form and submit it to the insurance company at least three days before taking the treatment. In emergency cases, it can be done within 24 hours of hospitalization.
2. Reimbursement claims: In this case, the insured pays the medical bill first by himself and gets reimbursed by the insurance company. You can claim reimbursement, either if you take treatment at a non-networked hospital or cannot claim the insurance in cashless mode.
• Submit all the documents such as hospital admission card, medical bill, discharge certificate. You should submit these documents along with a duly filled-in claim form and the Aadhaar card.
• The insurance company then would cross-check with the hospital records and, after a thorough analysis of the disease and treatment, it would reimburse the insurer. Other documents required to make an insurance claim
1. Valid ID proof of the insured
2. Copy of the policy bond
3. Bank details of the insured
4. Canceled cheque
5. Any other documents as required by the insurance company.
Health insurance provides cover for most of the illnesses. However, certain diseases do not qualify to claim insurance.
1. Babies born with birth defects
2. Procedures that come under cosmetic and plastic surgery
3. Conditions resulting from suicide attempts
4. Psychiatric conditions
5. Conditions acquired due to alcoholism and substance abuseHow to claim health insurance?
Insurance limit: Insurance policies allow claims up to the limit the insured avails. If he incurs expenses beyond the limit, the insured himself should pay the additional amount.
At Anupama Hospitals, our expert patient financial services representatives help you sail through these procedures effortlessly and manage your financial resources efficiently in the emotionally draining times of serious illness. We can guide you navigate the maze of policies by suggesting the right plan suitable for your condition.
Meet our Insurance Consultant Mr.Chander Rao
Phone Number –9666665891
Empanelled insurance companies
