Manoj Gehi View On General Insurance &amp Personal Finance.

HOW TO CLAIM UNDER MEDICLAIM Intimate your Insurance Company/ T.P.A (Service Provider) at the earliest possible, preferably in writing or email about the policy holder getting hospitalized in advance. Go to the hospital where the policy holder is to be admitted, fill in the pre authorisation form your part and the rest by the Doctor concerned. Take your identity proof along any of the following so as to prove your identity, i.e Card provided by the insurance co, pan card, election card or passport. Please note CARD ISSUED BY THE INSURANCE CO or T.P.A IS MERELY AN PROOF OF IDENTITY & INSURANCE. IT DOESN’T ALLOW CASHFREE TREATMENT. Ask the hospital to communicate in advance the PRE AUTHORISATION FORM to the relevant T.P.A, wait for the authorisation. For REMIBURSEMENT CLAIMS Inform and intimate the Insurance co & the T.P. A about the admission in the hospital at the earliest without any  delay  preferably in writing or email. Once discharged fill in the relev

TEN TIPS 1)      Always Have a Nominee or An Assignee in your Policy Document. 2)      SAVE TOLL FREE NUMBER OF YOUR SERVICE PROVIDER/TPA. 3)      UPDATE YOUR ADVISOR FOR ANY CHANGE IN MOBILE NUMBER OR COMMUNICATION ADDRESS . 4)      Check your Personal Data on the Policy Document once you receive it. 5)      Check your Sum insured & Cumulative Bonus if any. 6)      Inform your family about the policy document where you place it. 7)      Keep a copy of your Medi Card in your wallet. 8)      Do Not Destroy your Old Mediclaim/ Health Policy. 9)      PAY YOUR PREMIUMS AT LEAST 20 DAYS IN ADVANCE SO AS TO AVOID LAPSATION OF YOUR POLICY. 10)    REVIEW YOUR HEALTH / MEDICLAIM POLICY ONCE IN 3 YEARS. AS YOU MAY NEED ENHANCEMENT IN SUM INSURED DUE TO INFLATION, OR MAY HAVE TO ADD FAMILY MEMBER’S . TO KNOW MORE WRITE IN  planmyinsurance@gmail.com

HOSPITAL CASH PLAN In event of hospitalization this plan helps you cover up additional hospitalization expenses like attendant food & accommodation which are not covered under the standard Mediclaim /health plan. Under this plan you are paid Daily Cash Component for each continuous and completed period of 24 hours of hospitalization due to Sickness or Accident. Maximum up to 90/180 days per policy year, depending on the plan taken . The Benefit is DOUBLED in case of I C U admission for each continuous and completed period of 24 hours of hospitalization due to Sickness or Accident. Maximum up to 15 days per policy year. NO MEDICAL TEST NEEDED BENEFITS: - One can take this policy along with or over and above the existing mediclaim/health policy. The CONITION OF SUB LIMIT ON ROOM RENT DOESN’T APPLY. It is paid irrespective of the ROOM RENT PAID. Premium paid under this plan is eligible for 80 D benefit . ILLUSTRATION TYPE OF ADMISSION PER DAY