Manoj Gehi View On General Insurance &amp Personal Finance.

People with diabetes, who are considered a 'high-risk category' by health insurance providers and therefore often find it difficult to get a proper medical insurance cover, would now have options to choose from . Until recently, Diabetes Safe from Star Health Insurance was the only specialized comprehensive health plan available for people suffering from this ailment. Now, another stand alone health insurer, Apollo Munich Health Insurance (AMHI) is all set to the offer 65 million diabetic patients in India with another option called Energy--a specialized plan for individuals living with diabetes mellitus 2 and/or hypertension . The product  will initially be available in eight cities from December 16, before being rolled out nationally next year. "Energy is a comprehensive wellness plan that not only covers you in case of hospitalization but also provides a health eco-system to help manage your health better and also rewards them with special offers from health p...

OPTIMA RESTORE. A Unique & Unbelievable Innovation in Medical Insurance bought to you by M/s. Apollo Munich Health Insurance.  A must have for all those who desire medical insurance in their portfolio. This Plan Offer’s Maximum Financial Protection to one’s family in the hour of Health Crisis. WHY THIS PLAN IS A MUST HAVE IN ONE’S PORTFOLIO!! ?     LIFE LONG RENEWAL: Renew your coverage life long. ?     NO SUB LIMITS ON ROOM RENT: There are no sub limits or room rent capping under this plan. ?     NO CLAIM BASED LOADING: There is no loading on RENEWAL PREMIUM in case of claim . ?     50% CUMULATIVE BONUS (NO EXTRA CHARGE): In Event of CLAIM FREE YEAR OF POLICY THE NEXT YEAR THE SUM INSURED IS ENHANCED BY 50 % , FURTHER IN THE SUBSEQUENT YEAR AGAIN IF THERE IS NO CLAIM THE SUM INSURED IS ENHANCED BY ANOTHER 50%. THEREBY GIVING EXTRA PROTECTION TO THE FAMILY.WITH PREMIUM BEING CHARGED ON THE BASIC SUM I...

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 ...