The blog will highlight the advantages of having a vaccination certificate. Additionally, we’ll address common queries related to the certificate, such as who is responsible for issuing it, if registering with an Aadhaar card is obligatory, and if a booster dose certificate is required. You will have a proper understanding of the significance of possessing a COVID-19 vaccination certificate, as well as various methods for acquiring it.

What is a CoWIN Vaccine Certificate?

Before knowing how you can download your Co-WIN certificate, let us tell you what this certificate means. It is valid proof that you have been vaccinated against COVID-19. It contains the date of your vaccination. Even today, in some places, you must show your CoWIN vaccination certificate to gain entry.

Download the COVID-19 vaccine certificate by Aadhar

Downloading your vaccination certificate is a convenient way to verify your vaccination status, especially when travelling. To complete the process of vaccine certificate download by Aadhaar number, you must follow some simple steps.

You can choose to download your Covid-19 vaccination certificate using the CoWIN, DigiLocker, Umang, or Aarogya Setu app. You can also download the certificate by visiting the portals of these four apps.

Aadhaar is linked to individual biometrics, preventing duplicate numbers and identifying fake identities. This ensures no one else can utilise your vaccination information via your Aadhar card. Thus, your information is always confidential, which is particularly crucial when considering your overall health security, including having adequate health insurance coverage.

Download Covid certificate using CoWin app/website

CoWIN is an all-in-one platform for universal vaccination, including registration, scheduling, verification, and certification. To acquire a Covid-19 vaccination certificate through the portal, you must strictly follow the subsequent set of instructions:

• Go to the official website.
• Provide your registered mobile number to log in or sign up.
• To verify your identity, a unique password will be sent to the mobile number you have registered at the portal. Please note that you should keep your Aadhar details handy to download the CoWIN certificate using Aadhar card.
• Once you log in and verify your details, you can view the dates of your first and second vaccination.
• Find the certificate tab link under your name and click on it.
• Finally, click on the “Download” button to save a PDF file of your Corona Vaccine Certificate.

This is a popular alternative to download vaccination certificate by Aadhar card safely.

How to get Aarogya Setu certificate using the app?

The Aarogya Setu app records time and GPS location when two registered users exchange unique Digital IDs via Bluetooth. The collected information is securely stored on the other user’s mobile device and later uploaded to the server if the user tests positive for COVID-19. This helps with contact tracing to identify individuals who may have been essentially in close contact with the infected person. This is another frequently favoured option to download vaccination certificate using Aadhar card.

If your aim is to obtain the Aarogya Setu certificate via the app, you will be required to adhere to the following set of guidelines:

• Begin by installing the Aarogya Setu app on your mobile phone.
• Navigate to the CoWIN tab and click on “Register Now.”
• Please enter your registered mobile number and verify it using the OTP sent to your number.
• Select the Vaccine Certificate option and provide your reference ID comprising 13 digits.

Click the “Download Covid Certificate” option to obtain your Aarogya Setu certificate.

Cancer health insurance policies typically cover hospitalisation, chemotherapy, radiation therapy, surgery, and medication costs. The coverage can also include expenses related to pre-and-post-hospitalisation, doctor consultations, and diagnostic tests.

What is cancer health insurance?

Cancer is a life-threatening disease requiring extensive medical treatment, including chemotherapy, radiation therapy, and surgery. The financial cost of cancer treatment can be significant, and cancer insurance helps to ease the financial burden by covering some or all of the medical expenses related to cancer treatment.

Cancer health insurance policies typically cover hospitalisation, chemotherapy, radiation therapy, surgery, and medication costs.

How does cancer insurance work?

When the policyholder purchases a cancer insurance plan , he/she pays a premium to the insurance company. In return, the insurance company provides coverage for the expenses related to cancer treatment up to a predefined limit. The amount of coverage and premium depends on the cover chosen.

Let's consider an example to understand how cancer policy works. Mr A, a 30-year-old working professional, purchases a cancer insurance policy for a 20-year term with a sum insured of Rs 10,00,000. At 40 years of age, he gets diagnosed with the first cancer stage. In this scenario, the insurer will pay 25% of the sum insured, which amounts to Rs 2,50,000. As a result, the coverage under the policy will reduce to Rs 7,50,000.

After seven years, Mr A's cancer progresses to a severe stage. At this point, the insurer will pay the remaining sum insured amount of Rs 7,50,000, and the policy will terminate. It's important to note that the payout from the plan is made based on the stage of cancer diagnosed.

Once the policyholder receives the lump sum payment, the person can use it to cover any expenses related to the cancer diagnosis, including medical bills and treatment expenses, and to replace lost income. The payment is typically tax-free, and one can use it as one sees fit.

Types of cancer covered by cancer insurance plans in India

Types list of the types of cancer that insurance companies cover is quite extensive. The most common types are listed below:

• Bladder cancer:

The malignancy in this cancer begins in the bladder lining, commonly causing blood in the urine. 

• Colorectal cancer:

This type of carcinoma affects the colon or rectum, often causing changes in bowel habits or rectal bleeding. 

• Breast cancer:

A malignant tumour that develops in breast tissue, usually detected through a breast lump or mammogram. 

• Lung cancer:

Carcinoma that forms in lung tissue, commonly caused by tobacco and smoke exposure. 

• Kidney cancer:

It is a cancer that develops in the kidney cells, often resulting in flank pain or blood in the urine.  

• Lymphoma:

It begins in cells of the immune system, causing swelling in the lymph nodes, spleen, or other immune tissues. 

• Oropharyngeal:

Also known as oral cancer, these are cancers that develop in the tissues of the throat or mouth, often causing persistent sores or difficulty swallowing.

• Prostate cancer:

This forms in the prostate gland, commonly leading to urinary problems or discomfort in the pelvic region. 

• Pancreatic cancer:

This type of cancer forms in the pancreas cells, often causing abdominal pain and unintended weight loss. 

• Uterine cancer:

It is cancer that develops in the uterine tissues, causing abnormal vaginal bleeding or discharge.

• Thyroid cancer:

This kind of cancer forms in the thyroid gland, often leading to lump development or swelling in the neck.

Benefits of a cancer insurance plan

• Covers multiple stages:

The health insurance for cancer policy covers various stages of cancer and provides a lump sum amount to the insured upon a cancer diagnosis. 

• Premium waiver:

Medical insurance for cancer patients may include premium waiver benefits. The waiving of premium payment happens in certain circumstances, such as a cancer diagnosis in its early stages.

• Increase in sum insured:

If the policyholder does not make any claims during the year, the sum insured can increase by a percentage mentioned in the policy wording.

• Tax benefits:

The premiums paid towards the cancer insurance policy are eligible for tax benefits under Section 80D of the Income Tax Act.

• Continuing benefits:

The major benefit of a cancer cover policy lies in its coverage continuity. Even if the policyholder is diagnosed with cancer several times, the policy will continue offering coverage without interruption.

Why do you need a cancer insurance plan?

Cancer can be an emotionally and financially draining health condition that often requires frequent medical visits, chemotherapy sessions, and hospital stays. As the treatment procedure is an ongoing process that can last for years, the costs can quickly pile up, making it difficult to manage them.

Furthermore, as cancer progresses, working and earning an income becomes impossible or difficult, making it even more challenging to manage treatment costs. However, with the help of a cancer insurance plan, one can avoid all these challenges. Cancer cover provides financial assistance in the form of a lump sum pay-out to cover the high costs of cancer treatment. It ensures one can access the best medical care without worrying about the financial burden.

Who is eligible to buy health insurance for cancer treatment?

• To purchase this policy, an individual must be at least 18 years old. However, parents can buy the policy for their newborn child as soon as they turn 91 days old.
• The policy is available for a five-year period and offered on an individual basis.
• The maximum age to purchase this insurance is 50 years old.
• There is no medical assessment required to buy this plan.

How to buy cancer insurance online?

• Step 1: Research and compare cancer insurance policies from reputable insurance providers.

• Step 2: Visit the insurance company’s website. Next, fill out the online application form for quote generation.

• Step 3: Provide accurate and complete personal and medical information, including your age, gender, medical history, and any pre-existing conditions.

• Step 4: Choose the coverage amount and duration and review the policy details, including exclusions and limitations.

• Step 5: Pay the policy premium through a secure online payment gateway.

• Step 6: Once the payment is processed, you will receive an email with the policy document and a confirmation of the coverage.

Inclusions of cancer insurance

• Comprehensive coverage:

Irrespective of whether it is in the early or advanced stages, the policy provides comprehensive coverage against most types of cancers.

• In-patient hospitalisation:

Cancer treatment often necessitates extended hospitalisation. Given this, cancer insurance covers a wide range of expenses associated with the treatment, including charges for oxygen, room rent, prescription fees, and other related costs.

• Annual check-ups:

Early detection of cancer greatly improves the chances of survival. Many insurers offer annual check-ups to their policyholders.

• Pre-and-post-hospitalisation:

The doctor may require several regular visits before admitting a cancer patient. Furthermore, as the treatment process can be lengthy, healthcare providers may need to administer medication and counsel patients even after discharging them from the hospital. This plan’s lump-sum payout covers both pre-and-post-hospitalisation expenses.

Exclusions of cancer insurance

• Health insurance with cancer cover does not provide coverage if the policyholder has pre-existing cancer ailments.

• Health insurance for cancer patients typically excludes coverage for carcinoma-in-situ and cancers caused by sexually-transmitted diseases, primarily HIV or AIDS.

• A congenital disease that progresses to form cancer would generally result in the policyholder being ineligible for coverage.

• Regardless of the stage, cancer insurance policies do not provide coverage for cancers resulting from the unlicenced use of drugs or heavy use of alcohol.

• These health insurance policies typically exclude coverage for cancer caused directly or indirectly by chemical, nuclear, or biological sources of pollution.

To lead a healthy lifestyle, it is important to eat a balanced diet every day. Your meal should contain enough proteins, fats, carbohydrates, and essential vitamins and minerals. One essential water-soluble vitamin you should regularly consume is vitamin B12.

Vitamin B12 is important for the overall health of your nerves. It supports the formation of DNA and red blood corpuscles. However, your body cannot make vitamin B12 on its own. Hence, ingesting it through your food is the only way to get it. According to experts, you have to consume about 2.4 micrograms of vitamin B12 every day for a healthy life.

In this blog, we will discuss some of the important facts about vitamin B12 and the foods you can consume to maintain your daily intake.

What is vitamin B12?

Vitamin B12 is a water-soluble vitamin found primarily in animal products. It can also be added to foods to fortify them, and vitamin B12 supplements are available.

The suggested intake for vitamin B12 varies with age; it is also different for women and men. Depending on the doctor's suggestions, pregnant women may require different amounts of vitamin B12.

There is currently no established toxic level for vitamin B12. However, high doses of supplements may essentially increase the risk of bone fractures. Vitamin B12 is part of the B complex vitamins, which help the body convert food into energy and support the nervous system, liver, and healthy skin, hair, and eyes.

It essentially works with other B vitamins to regulate homocysteine levels in the blood, which may be associated with heart disease.

Why Vitamin B12 is Important?

• Healthy hair growth depends on the strength and activity of hair follicles. Our hair follicles can produce about six inches of hair per year. Vitamin B12 is essential for promoting healthy hair growth.
• Vitamin b12 sources help in the manufacturing of red blood cells that are abundant in oxygen, which feed hair follicles.
• Hair is made of a protein called keratin, while hair follicles are alive and contain the fastest-growing cells in the human body. The papilla at the base of the hair follicle contains blood vessels that deliver oxygen and nutrients necessary for hair growth. The human body does not produce vitamin B12, and getting it from our diet is important.
• Animal-based vitamin b12 food such as fish, poultry, meat, dairy, and eggs are sources of B12. Vegans and vegetarians need to add B12 supplements or B12-fortified foods to their diet. B12 deficiency can cause anaemia, heart palpitations, shortness of breath, nerve problems, and depression.
• Several factors can cause difficulty in absorbing B12 and lead to a deficiency. Some factors responsible for vitamin B12 deficiency are advancing age, immune system disorders, Crohn's or celiac disease, excessive alcohol consumption, and undergoing weight loss surgery.

A blood test and consultation with a medical professional can help determine the need for a B12 supplement. In such a situation, having a health insurance plan can be of great help.

Papaya contains essential nutrients like folate, fibre, and vitamins A, B, and C that can benefit both the mother and baby. Eating papaya in pregnancy in unripe or semi-ripe conditions is strongly not recommended due to the high concentration of latex. This can cause uterine contractions and potentially lead to a miscarriage. You should avoid overconsumption of ripe papaya as it can lead to digestive discomfort. However, no evidence suggests that ripe papaya can induce a miscarriage or harm the mother or baby. It is essential to consume ripe papaya in moderation and follow your doctor’s guidelines to avoid any adverse effects. If you have any concerns about consuming papaya during pregnancy, it is best to consult with your obstetrician.

Can We Eat Papaya During Pregnancy?

If you’re wondering, “can pregnant women eat papaya,” you can keep a few factors in mind.

Papaya is a safe and nutritious fruit to eat during pregnancy as long as it is ripe. Pregnant women should avoid eating unripe papayas as they contain a high concentration of latex, which can cause uterine contractions and potentially lead to a miscarriage. However, no substantial evidence suggests that ripe papayas can induce a miscarriage. In fact, papayas contain essential nutrients beneficial for expectant mothers.

There are several myths surrounding the consumption of papaya during pregnancy, including that it can induce excessive body heat, lead to bleeding and detachment of the placenta, and cause miscarriage. However, there is no scientific evidence to support these claims, and they are likely old wives' tales or irrational beliefs.

While you should avoid unripe and semi-ripe papayas during pregnancy, ripe papayas are safe to eat and offer numerous health benefits. They are commonly found in tropical countries and are known for their sweet, juicy, orange flesh.

It is essential to prioritise the nutrition and health of the expecting mother during pregnancy, and this includes being mindful of what foods to eat and avoid. Hence when you search online for “papaya eat during pregnancy,” remember it is a nutritious choice as long as it is ripe.

Working women in India face numerous challenges. Maternity leave plays a vital role in ensuring the overall well-being of the mother and newborn child and allows women to adjust to their new role as mothers.

Maternity benefits are necessary to protect women’s economic rights, ensure job security, and support their social function of childbearing and rearing. The Indian Maternity Benefit Act of 1961 provides comprehensive maternity benefits, including paid leave, medical bonuses, and nursing breaks. Additionally, having adequate health insurance coverage is crucial for working women to address any medical expenses related to maternity.

Let’s learn more about the eligibility criteria, why it is essential for women, the rules of the Leave Policy, HR’s role in granting you leave, and more.

Maternity Leave Benefits in India

1. The Maternity Benefit Act in India provides maternity benefits such as paid leave for women employees who need to fulfil their maternal obligations and duties.
2. For first and second-time mothers, the leave is for 6 months or 26 weeks, while every subsequent child entitles the mother to 3 months or 12 weeks of paid maternity leave.
3. Many companies offer maternity health insurance to their employees under their group health insurance policies. However, that depends on the insurance provider that the company is buying from.
4. The Act also ensures the holistic well-being of mothers and their babies by providing childcare provisions.
5. Employers cannot fire or dismiss women employees solely because they are pregnant, in labour, or recuperating post-childbirth
6. The Act mandates that pregnant women have access to amenities, such as hygienic restrooms, comfortable seating, and safe drinking water in their workplace.
7. The Act entitles pregnant women to additional leave days if they are unable to return to work after the maternity leave period.
8. The payment for maternity leave is at the rate of the average daily wage for the period of absence, with an additional medical bonus of Rs 3500 and a benefit of a minimum amount of Rs 6000 under the National Food Security Act 2013
9. Employers must not give pregnant employees difficult tasks or long working hours ten weeks before delivery to ensure the health and safety of both the mother and child.
10. HR departments can incorporate measures to support pregnant employees, including:

• flexible working arrangements
• counselling services
• wellness programs

Important Rules of Maternity Leave Policy in India

1. The Maternity Benefit (Amended) Act 2017 in India provides full compensation to women employees during their maternity leave
2. Compensation via the maternity leave policy is calculated based on their salary or daily wages in the three months before their maternity leave request
3. A minimum of 80 days of work at their workplace in the 12 months before their delivery or adoption date is required
4. Depending on whether the woman is expecting her first or subsequent child, she can take up to a maximum of 26 weeks off for her maternity leave, with up to 8 weeks off before delivery
5. Maternity leave is payable, and the amount payable to the mother is equal to the rate of average daily wage for the period of her actual absence
6. Various statutes as the following prescribe different procedures and compliances for employers while dealing with the maternity health of their employees, such as:

• Employer State Insurance Act, 1948
• the Maternity Benefit (Mines and Circus) Rules, 1963
• the Central Civil Service Rules, 1972
• the Mines Act, 1952

Sugarcane has been a part of human life for thousands of years, celebrated for its sweet taste and versatility in culinary and medicinal applications. Its juice, extracted through a process of pressing and filtering, has been consumed as a refreshing drink in many cultures around the world.

From the bustling streets of India to the tropical beaches of Brazil, the sight of vendors selling freshly squeezed sugarcane juice is common. And with good reason — this humble drink offers a myriad of potential health benefits, making it not just a tasty treat but a possible elixir of vitality. 

Nutritional content of sugarcane juice

It is important to note that the nutritional content of sugarcane juice may vary depending on factors such as the variety of sugarcane, the plant's maturity, and the extraction method. Additionally, the nutritional content may be affected by any added ingredients or processing methods used in the preparation of the juice. 

While it is great to consume good food, it always better to have health insurance for sudden health issues.

In a world where traditional hospital stays can be financially and emotionally draining, many people are opting for alternative solutions to receive quality medical care. One option gaining popularity is the idea of bringing the hospital to the patient, creating a seamless and personalised healthcare experience in the comfort of one’s own home. Patients can recover in familiar surroundings, surrounded by loved ones, with access to top-notch medical equipment and personnel. This concept transforms healthcare and brings hope and comfort to patients worldwide. However, seeking medical care at home can sometimes be costly if insurers refuse to cover the expenses, which is where the concept of domiciliary hospitalisation cover comes into play.

What does Domiciliary Hospitalisation cover mean?

Domiciliary hospitalisation cover refers to the medical treatment provided to a patient in their home, which otherwise would have been provided in a hospital. This type of cover aims to provide financial protection to patients who are unable to get admitted to a hospital or prefer to receive medical care at home.

For instance, let's consider a patient who is bedridden due to a chronic illness and needs constant medical attention. If this patient requires admission to a hospital, the expenses would be astronomical. However, with domiciliary hospitalisation cover, the patient can receive the necessary medical treatment at home without needing hospitalisation. This type of cover is especially beneficial for patients who need long-term medical care and for whom hospitalisation is not convenient.

Domiciliary hospitalisation cover includes medical expenses, such as nursing care, medical equipment, and prescription drugs required for the treatment of the patient at home.

How does Domiciliary Hospitalisation work?

Here are the steps that typically take place in the domiciliary hospitalisation process:

• Diagnosis: The patient visits a doctor and receives a diagnosis that requires medical treatment. The doctor will determine if the patient is eligible for domiciliary hospitalisation based on the nature and severity of the condition.

• Treatment plan: Once the patient is deemed eligible for domiciliary hospitalisation, the doctor will prepare a treatment plan that outlines the necessary medical interventions and the required duration of treatment.

• Insurance coverage: The policyholder or his/her family member will notify the insurer that the insured is planning to undergo domiciliary treatment. The insurance company will then provide the patient with the necessary forms and documents.

• Medical equipment: If required, the patient will be provided with the necessary medical equipment, such as oxygen cylinders, nebulisers, etc., to facilitate the treatment process.

• Healthcare provider: The patient will choose a healthcare provider specialising in domiciliary hospitalisation. The healthcare provider will assign a nurse or caregiver who will visit the patient's home and provide the necessary medical care.

• Treatment at home: The assigned nurse or caregiver will provide medical treatment to the patient at home following the treatment plan, monitoring the patient's progress, and reporting it to the doctor.
  
  

• Follow-up: After treatment completion, the patient visits the doctor for a follow-up to determine the success and need for further treatment.

Benefits and Inclusions of Domiciliary Hospitalisation

Domiciliary hospitalisation offers several benefits and inclusions. It is typically less expensive than traditional hospitalisation. This is due to the fact that it eliminates the need for hospitalisation expenses like room charges and medical equipment rental. Patients can receive medical care in the comfort of their own homes, which is especially beneficial for those with mobility issues or chronic illnesses.

Patients receive one-on-one attention from their assigned nurse or caregiver, allowing for personalised medical care.
The inclusions of domiciliary hospitalisation may vary based on the insurance policy. However, inclusions may include doctor consultation fees, nursing charges, the cost of medical equipment, and medication costs.

The primary objective of preventive health check-ups aims to identify potential health issues before they become severe or reach an advanced stage and become costly to treat. Ailments detected or diagnosed early increase the chances of timely as well as successful treatment and cure. Different types of preventive health check-ups include full-body health check-ups, tests related to the heart, diagnostic tests to check the blood sugar levels for diabetes, and health check-ups for children and women.

Section 80D of the Income Tax Act offers tax deductions on medical insurance premiums and healthcare expenses for individual taxpayers and Hindu Undivided Families (HUFs).

What is a Preventive Health Check-up?

Preventive health care aims to detect problems early on when they're simpler and less pricey to cure. It allows doctors to identify potential health issues before they become severe and require costly treatments. The preventive health check-up tax exemption typically includes reviewing medical history, family history, risk factors for specific diseases, physical examination, and laboratory tests.

The Indian government introduced a preventive health check-up 80D tax deduction to urge citizens to be more upbeat about healthcare. Under Section 80D, you can claim a deduction of Rs 5,000 for any payments made for preventive health check-ups. An individual can make a claim for himself/herself, his/her spouse, dependent children and parents.

The number of times one should undergo a preventive health check-up varies from person to person and age. Experts recommend that all adults undergo a preventive health check-up once a year. However, individuals who are at a higher risk of certain illnesses or have existing medical conditions may need to undergo screening more frequently. Senior citizens may also require more preventive health check-ups. These check-ups can help your doctor monitor your health and advise you on reducing your risk of chronic diseases.

Benefits and Importance of Preventive Health Check-ups

Here are some benefits and importance of timely health check-ups:

• Regular check-ups help detect potential health problems before they become severe, increasing the chances of successful treatment and cure.
• Depending on one's age, family history, and lifestyle, doctors recommend the frequency of check-ups and medical assistance.
• By regularly seeing a doctor, one can monitor any changes in the body and detect health conditions early.
• Accessing the correct health services, screenings, and treatment ensures a healthier and longer life.
• Preventive check-up comes with various benefits, including a
• comprehensive health evaluation
• early detection of illnesses
• periodic monitoring
• lower medical expenses
• improvement in overall health
• There are different types of preventive health check-ups available, such as
• full-body health check-ups
• heart check-ups
• diabetes check-ups
• health check-ups for kids
• health check-ups for women
• Section 80D deduction preventive health check-ups for women include tests to evaluate general health and gynaecological problems, such as
• pelvic exams
• pap smear tests
• cervix and breast cancer screening
• One can avail of tax benefits of up to Rs 5,000 per financial year towards preventive health check-ups as per Indian law.

Regular health check-ups help people lead healthier lives by detecting ailments early and taking necessary precautions to prevent the risk of developing chronic diseases.

While the excitement of parenthood may require some time to subside, if you have adequate maternity insurance, you won't have to stress about the associated costs. Couples should consider several other things before and after the baby is delivered. The best insurance plan for pregnancy will also cover the newborn child up to a specific time. Financial protection during pregnancy, pre- and post-natal care, pre- and post-hospitalisation costs, ambulance fees, and delivery costs, regardless of whether you have a normal delivery or a caesarean section, are all advantages of maternity insurance. Therefore, one of the best ways to deal with such costs is to purchase maternity insurance, which many health insurance companies provide.

Features of Maternity Health Insurance

The benefits of purchasing pregnancy insurance online include the following:

• Cashless hospitalisation:

Leading insurance companies offer maternity plans to provide cashless hospitalisation services at hospitals nationwide. At network clinics, you can access medical services without paying for them.

• Claim-free Bonus:

If you do not make a claim during a policy year, some insurance companies will reduce the insurance payment for the following year or increase the amount covered at the same premium. Moreover, insurance companies provide an online application facility to make the process straightforward for policyholders.

• Choice of the covered amount:

Policyholders can choose the insured amount. When purchasing a maternity insurance policy, they can select the desired amount insured.

• Tax benefit:

Section 80D of the Income Tax Act of 1961 allows policyholders to receive tax benefits for insurance premiums paid for pregnancy coverage.

When you are ready to become a parent, maternity insurance coverage is an excellent addition to your healthcare plan. Growing medical inflation and the possibility of unpredictably high hospitalisation costs typically make it challenging to pay for medical expenses and can interfere with parenting pleasure. Therefore, buying maternity insurance is advised for an economically secure pregnancy. You can purchase these insurance policies online, as the process is seamless and easy.

Can You Buy Maternity Health Insurance After Getting Pregnant?

Typically, insurers do not provide maternity coverage as a part of your standard healthcare plan. Insurance companies consider pregnancy and it-s related expenses as a pre-existing condition. However, you can still buy maternity coverage as an add-on with your regular healthcare insurance policy. You might be wondering why you should buy maternity insurance. You might have to wait between 9 months and six years to make a claim for expenses related to becoming a mother. Therefore, purchasing pregnancy insurance after getting pregnant is not a good plan. Instead, consider buying it much ahead in preparation to avoid having to wait.

Unfortunately, inflation has increased the expense of healthcare and will probably continue to do so in the future. This includes maternity-related costs too. Women must buy pregnancy insurance as quickly as they can afford it. By doing this, you can enjoy the arrival of your kid without worrying about expensive medical bills. You can leave that in the care of your insurance provider.

Waiting until the very last minute when attempting to conceive will only lead to unnecessary worry. So, we suggest that you invest in a comprehensive maternity insurance policy well in anticipation. This will also help you complete the waiting period and help you to receive coverage when you start planning for a family.

Importance of Buying Maternity Insurance

The following list includes maternity insurance benefits in India:

• Acting as a Financial Backup:

Maternity insurance is a safety net for the family’s finances by covering the expenses related to normal and caesarean birth. You need not worry regarding the payment of treatment. Some plans include pre- and post-hospitalisation expenses, paying all associated costs up to 30 days before admission and related expenses up to 60 days after admission.

• Expensive delivery in an intimate setting:

People today prefer private clinics because they want high-quality healthcare. Caesarean delivery may cost an additional Rs 50,000 to Rs 1 lakh in a private hospital, while a normal birth may cost Rs 50,000 to Rs 70,000. Your insurer provides all these costs.

• Coverage for the newborn from Day 1:

Typically, health insurance begins to cover infants once they’re at least 90 days old. A maternity insurance policy, however, starts to pay benefits as soon as the child is delivered. In addition, some plans will pay for the newborn's immunisations until the end of the policy year.

• Prepares the couple for complications:

A newborn requires an incubator for a specified time for complications like premature birth. The price of such treatment can reach Rs 10,000 per day. However, if you have a good maternity insurance plan covering most expenses, you can find respite from the financial pressure.

One can have a medical emergency at any time, irrespective of age. Additionally, the stress associated with finding a work-life balance and our lifestyles is taking a toll on most of us. While medical services constantly improve, newer diseases like COVID-19 are becoming more prevalent. The exorbitant cost of medical services such as hospitalisation or treatment procedures adds to our woes. There is no right age for health insurance; investing in one as early as possible ensures coverage and lets you avail of the best treatment, particularly in medical emergencies.

Therefore, purchasing a comprehensive health insurance policy and ensuring your peace of mind is the best way to combat the rising cost of healthcare.

When is the Right Age to Buy Health Insurance?

In India, one can buy an individual health insurance policy as soon as he/she turns 18. Anyone who invests early in a healthcare plan will be better prepared for medical emergencies as well as enjoy financial security. Buying health insurance at the age of 26 or in your 30s could be a sensible decision with an eye on your future as well as your loved ones.

When your age falls in the bracket of 20 to 30 years, you can plan ahead and purchase maternity coverage if you want to start a family soon. If you are in your 40s or 50s, you could opt for a family health insurance policy. But you will need more add-on coverage as you could be at risk for diabetes, high blood pressure, and other hereditary health concerns or lifestyle-related issues.

Purchasing a health insurance policy post-retirement can be expensive as senior citizens are prone to severe health issues and may require hospitalisation and prolonged therapy. Moreover, one might need to purchase more add-ons like critical illness coverage.

Whether you are considering purchasing health insurance for students under 26 or looking at plans customised for senior citizens, the earlier you invest in one, the more benefits you can enjoy. Investing in a healthcare plan in your 20s is prudent as the premium is lower. You can easily cover the waiting period that comes with purchasing a new healthcare policy. If you don’t make a claim, you can enjoy the benefit of cumulative bonuses. You can opt for a family floater plan at a later age with a low premium, but it's still more expensive than a policy bought at a younger age.

Reasons Why Health Insurance is Important Irrespective of Your Age

Let's look at some reasons why we should invest in getting a health insurance plan as soon as possible:

• Creating a compelling claim history:

The best moment to purchase a health insurance policy is when one is physically healthy. Young and healthy people pay cheaper premiums and are less likely to make a claim.

• Earning Bonus:

One benefits from the no-claim bonus (NCB) incentive if there isn't a claim in any given year. A policyholder receives supplemental coverage each year without a claim at no additional expense. The extent of coverage continues to expand over time.

• Coverage for pre-existing conditions:

The most significant benefit of purchasing earlier in life is completing the waiting period associated with pre-existing conditions. There are waiting periods in health insurance policies before some or all of the policyholder’s pre-existing diseases will be covered. While some health issues have a waiting period of 12 to 24 months, typically, insurers cover pre-existing conditions after 48 months.

• Tax benefit:

There is an additional advantage to purchasing a health insurance plan if you are young and employed. The 1961 Income Tax Act states that if you pay a premium for health insurance, you are eligible for tax advantages up to Rs 25,000 in a financial year. Additionally, the tax benefit for the premium paid for a health insurance plan bought for your parents can increase to Rs 50,000 if they are dependent on you.

Benefits of Buying Health Insurance at A Younger Age

Health insurance is there for us when we require it the most. It is sensible to purchase a health insurance policy as early as feasible, although there is no set age for health insurance for investing in a healthcare plan. Let's examine the benefits of buying health insurance online at a young age:

• Lower quotations & premiums:

The likelihood of developing a medical problem is lower if an individual is young. For instance, you can purchase a policy with INR 5 lakh as the sum assured for INR 5000 if one purchases health insurance coverage before age 30. The premium becomes costlier as you get older. The same coverage may cost between INR 6000 and INR 8000 when you are in your 40s.

• Financial alignment:

Buying a healthcare plan earlier in life ensures that a person has coverage for multiple illnesses, including diabetes, renal failure, cancer, and heart disease. These ailments begin to affect individuals as they turn older. You will be left dealing with significant financial woes if you purchase health insurance benefits at a later age when diagnosed with an ailment or hereditary illness. The premium for a policy will be much higher, or you may even have to purchase add-on covers for an additional premium.

• Renewability:

According to the Insurance Regulatory and Development Authority of India (IRDAI), one can always renew a health insurance plan. However, 65 to 70 is typically the upper age limit for health insurance coverage extension. Lifetime renewability is available if you purchase a policy earlier.

Health insurance is becoming increasingly important in India, with rising medical costs. Every health insurance policy carries a premium, which you need to pay to avail of the benefits of the healthcare plan. And this premium is determined by various factors. The amount one needs to shell out is a major concern, particularly if you are considering a senior citizen insurance premium.

The amount of the premium you must pay for this coverage is a crucial factor to consider, as it can act as a financial safety net in the event of unanticipated medical problems. Your health insurance premium will be determined based on numerous variables and specific situations. Knowing the variables that will affect the cost of your premiums will empower you to make the most of your insurance plan.

Factors Affecting Senior Citizen Health Insurance Premium

Your health insurance premium will depend on the type of healthcare plan you choose. A family floater plan, for instance, is usually less expensive than an individual health insurance policy. But remember that the age of the oldest family member will determine the cost of the premium for a family floater plan.

The scope of coverage and sum insured will also impact your health insurance premium. A lesser sum insured can lead to the lowest premium health insurance for senior citizens, while a higher premium will ensure a greater sum insured. Your insurance will only pay you up to the amounts insured in reimbursement for medical costs. However, you will be responsible for covering additional expenses if your total medical bills exceed the amount specified as the sum insured in your healthcare policy.

Some significant factors that affect a senior citizen’s health insurance premium include pre-existing diseases or health issues, add-on covers, co-payment, habits and lifestyle, and family medical history. Moreover, if you live in an area where there is a high level of pollution or severe climactic conditions, you might have to pay a high premium. Environmental issues play a crucial role in determining the premium of healthcare policies, as senior citizens are prone to health issues arising from living in such regions.

Age of the Insurer

A comprehensive health insurance policy for people aged over 60 years is a must-have as it provides financial security as well as peace of mind. Age is one of the most significant factors that affect senior citizens’ health insurance premiums. The reasons behind this are listed below:

• As we age, the risks for increased hospitalisations, hereditary illnesses, and the need for medical supervision increase.
• As it gets harder to anticipate risk factors and medical expenditures as people age, some insurance companies do not reimburse pre- and post-hospitalisation expenses.
• Several health insurance plans include the option of lifetime renewals, but some insurers only permit renewal until age 80.

Investing in a healthcare plan for your senior citizen parents or yourself will go a long way in safeguarding your finances and providing coverage in a medical emergency. Remember to choose a plan that offers lifetime renewability and not just the lowest premium health insurance for senior citizens. Look for a plan that covers pre-existing diseases, adequate pre- and post-hospitalisation expenditures, a minimal waiting period after which one can avail of coverage for pre-existing disorders, add-ons, top-ups, family floater policies and benefits, and other discounts. Also, opt for a plan that provides adequate coverage for critical illnesses, as with age, there can be a higher risk of senior citizens being diagnosed with such ailments.

Pre-Existing Illness

Let’s look at how pre-existing diseases affect the premiums for health insurance plans, particularly for senior citizens.

• If a person has a history of medical conditions which affect his/her health in the long run, he/she is more likely to spend more money on consulting doctors and specialists, hospital care and other healthcare services.
• You cannot avail of any benefits until you complete the waiting period for pre-existing conditions as stated in your policy documentation.
• The amount of your premium will increase depending on the severity of the pre-existing health condition, as evaluated by a professional.
• If your close family members have a medical history of a pre-existing condition like heart disease, diabetes, hypertension, etc., you are more likely to have a risk of acquiring it at a later stage in life.

When you search for a healthcare plan, look for one that provides coverage for a maximum number of pre-existing diseases. Check the waiting period and select one with the least time so that you can easily complete it. Sometimes insurers waive the waiting period for an additional fee. Consider this option if you are aged over 60 or purchasing a policy for your senior citizen parents. You can calculate the premium with a senior citizen health insurance premium calculator and get an idea of the plan’s cost.

Medical Test Results

Medical tests enable the insurance company to learn as much as possible about an individual's health. The insurer may tailor a term policy just for you, down to the details like the length of coverage you need, the cost of premiums, and other perks. The findings of the examinations that your insurance provider requests will decide the inclusions and exclusions of your healthcare plan, especially if you're applying for senior citizens' health insurance. The factors listed below may change based on the outcomes of a medical exam for a health insurance policy:

• The insurance company’s main objective is determining the premium you'll have to pay for your healthcare plan. Based on an applicant's perceived level of risk, the insurer will provide a quote for the plan's premium. Your premium will be minimal if you are in excellent health. If you have any pre-existing problems revealed in the test results, the insurer will consider you a greater risk, and you might need to pay a higher premium. But it will reduce the chances of your claim being denied or rejected.
• If your medical tests come out reasonably healthy, you may be eligible for a larger sum assured.

Many people think that skipping the tests or not disclosing any pre-existing medical condition will let them get a healthcare policy for a lower premium. It is sensible to opt for a policy requiring medical tests so that the insurer can customise the right plan for you. It is better to pay a slightly higher senior citizen insurance premium than be denied a claim in times of need.

Over time, alcohol has become more prevalent in people's lives, especially among younger generations. Consuming it in moderation is not an issue, but if it becomes a habit, that is cause for concern. It can lead to various illnesses, including liver cirrhosis and cardiac disease. Many people today are unsure of insurance for alcohol consumers and the benefits of a policy that provides coverage to such people. Also, many believe their insurance providers will reject their claims because of their consumption of alcohol.

If your insurance provider learns you regularly consume alcohol, the insurer might deny or reject your claim. This is because greater alcohol use may result in health risks that your insurer may not be willing to pay for. The catch is that your insurance provider might ask you to shell out a higher premium because your chance of contracting diseases may increase. As a result, drinking alcohol affects your insurance cost in many ways.

Are Alcohol Consumers Eligible to Buy Health Insurance?

A person can apply for a health insurance plan if he/she infrequently drinks or consumes alcohol moderately without adverse effects on the person’s health. Therefore, those who consume alcohol can buy health insurance.

• The insurer might request an examination when someone starts drinking after obtaining health insurance. To avoid paying a higher premium, you must always drink alcohol cautiously.
• You must inform your insurer even if the insurance provider does not evaluate you on this count. If you hide the fact that you consume alcohol regularly and subsequently experience health issues, the insurer might reject your health insurance claim.
• Insurance companies can request the medical case file to analyse the alcohol consumption problem of a policyholder. If that happens, you could be obligated to pay for the therapy. Many people hide this to avail of a policy at a lower premium. However, if the insurer finds out, the monetary consequences of a denied claim are much worse.
• Significant health problems brought on by a high level of alcohol consumption result in a higher premium as it increases the insurance company's liability to provide coverage. If you drink, choose “alcoholic” when getting health insurance estimates. Try ticking off non-alcoholic beverages to see the difference in the premium.

The premium will also depend on you, and your drinking practises if you are the oldest family member considering a family floater health insurance plan.

Is It Important to Declare if You Are an Alcohol Consumer to an Insurance Company?

It's important to understand that your drinking practices may affect the perks of any health insurance plans you buy or already have. So, this may not severely impact those who drink alcohol infrequently; it might significantly affect extreme drinkers and could even lead to insurers denying or rejecting their claims.

When buying a life insurance policy, you must fill out a declaration form so that the insurer is aware of any existing medical conditions. Furthermore, one must reveal whether or not they consume alcohol because failing to do so could result in the life insurance policy being affected by pre-existing medical problems like cirrhosis of the liver.

Drinking too much alcohol can cause several illnesses, such as liver disease, cancer, stroke, diabetes, and pancreatitis, which generally shorten a person’s expected lifespan. The insurance companies see it as a risk and request an advance declaration from the prospective policyholder. Your insurance provider may raise your premium if your blood alcohol level exceeds the permissible limit.

Your risk of denied claims increases manifold if you withhold facts when buying a health insurance policy. As a result, it is wise to be completely truthful about your health status when applying for an insurance policy.

Why Is Insurance Premium High for Alcohol Consumers?

Moderate alcohol consumption is acceptable, but excessive drinking may raise red flags for prospective insurers.

• Excessive alcohol consumption may lead to illnesses like high blood pressure and liver, kidney, and coronary diseases. In addition, it may cause problems with a person’s mental health and issues related to substance abuse. Therefore, your alcohol intake significantly impacts your premiums when determining your suitability for the finest term insurance policies.
• Your medical documents may also show that your routine alcohol consumption is above a threshold. Additionally, becoming a higher risk for prospective insurers will directly raise the cost of your insurance premium.
• You will probably be eligible for a standard rate if your binge drinking happened in the past and you have refrained for 5-7 years, for instance. On the other hand, if you've been sober for one to five years, you probably count on rated insurance, which has higher rates. But the insurer will limit the scope of coverage. However, your application has a high chance of being rejected if you sought therapy, relapsed, or remained sober for less than a year.
• Purchasing life insurance coverage may be extremely harder if you have a criminal record for driving while intoxicated (DUI).

Suppose the insurance provider determines that the policyholder died in an accident due to intoxication and the person's blood alcohol level was higher than the legal limit. In that case, the insurer has no obligation to provide coverage to the policyholder's family. You must be mindful of these factors when you think in terms of insurance for alcoholics. You must be aware of these factors when you think in terms of insurance for alcoholics.

Importance of Buying Health Insurance for Alcoholics

While it might be challenging for an alcoholic to obtain health insurance, it's not unattainable. An insurance company might issue a policy, but the payment might be higher; a medical test can reveal whether an individual drinks heavily or moderately. A person may be eligible for a basic health insurance plan if he/she has only been a moderate drinker for a brief period. Below is a list of factors that show the significance of purchasing health insurance for alcoholics.

• Hospitalisation as an inpatient: Medical expenses accrued while receiving treatment in the hospital will be covered. However, the co-pay provision or clause may require the policyholder to foot a portion of the bill.
• Co-payment and deductibles: Health insurance providers may have a co-payment provision requiring the insured to pay a portion of the expenses incurred. In most instances, the policyholder can choose the percentage of the co-payment. One of the elements affecting the cost of health insurance is the co-payment proportion selected. Similarly, a person who chooses a high deductible can get the benefit of a relatively cheap premium.
• Cashless facility: If a person decides to get treatment in a network hospital, he/she can get the advantage of cashless transactions. The insurer will pay for the expenses incurred at the point of discharge.
• Lifetime renewability: This is a standard feature of health insurance plans. The policyholder must renew the insurance plan on time to continue receiving the benefits.

Many reputable insurance companies require you to undergo certain medical tests when you seek health insurance coverage. These pre-medical exams are necessary for obtaining health insurance because they play a significant role in establishing your eligibility for coverage. However, it does not entail that you cannot get health insurance without a medical test. 'Insurance providers that require you to take a health insurance test are the most accommodating when filing a claim.

However, it is crucial to remember that even if the insurance company has not requested that you undergo these tests, this does not suggest that you conceal a pre-existing medical condition. Fraud is intentionally misrepresenting facts, resulting in the insurer denying or rejecting your claim. Therefore, before your insurance provider determines your premium amount, you must declare any pre-existing medical condition to avoid the chances of your claim being denied or rejected in the future.

What are the Pre-Medical Tests?

Pre-medical inspections, or pre-medical tests, are a set of medical assessments performed by licenced medical professionals to determine the applicant's current health status. Before issuing a healthcare policy, most insurers insist on pre-medical tests as they want to assess the prospective policyholder’s medical condition. Also, the premium for a policy depends on the results of the pre-medical tests that you have to undergo.

In most cases, the insurance provider's coverage and the number of tests doctors perform are correlated. Additionally, most testing is done based on the applicant's age and the plan's benefits. According to the general tendency, most people seek insurance without medical exams.

The age of a potential customer and the scope of the insurance coverage determines how many pre-policy medical examinations are required. For example, if the beneficiary is older than 45, most health insurance firms demand a pre-policy medical assessment, including several parameters.

The world has seen one of the most dreadful pandemics in human history. As a result, how people generally live their lives in the present has undergone a complete transformation due to COVID-19. In addition, many sectors, along with the health insurance sector, have been impacted by this pandemic. As a result, how the health insurance market works has undergone considerable change.

Nowadays, most insurers insist on a pre-medical investigation for prospective policyholders. Although it is not mandatory, pre-policy medical tests are gaining popularity.

Is Pre-Medical Examination Compulsory for Buying Health Insurance?

A prospective policyholder with a pre-existing condition views medical exams as a barrier as they can lead to higher premiums or even coverage denial. However, most individuals over 45 undergo regular medical examinations to be aware of any dormant health issues. Insurance providers advise them to give accurate information when applying for insurance to guarantee a smooth claims procedure. Furthermore, most policies have a waiting period for pre-existing conditions. Insurance providers usually reject claims related to pre-existing health issues made during this tenure.

Regular medical exams are always advisable because they give you an update on your health condition and act as a benchmark for medical professionals. Without medical exams, disputes over whether policyholders concealed or misrepresented their illnesses could arise when claims get settled. Your insurer can reject your claim if the insurance provider finds you have concealed information about a pre-existing illness.

The premiums for plans that cover pre-existing ailments are comparatively high than a standard policy. They also have more stringent restrictions than plans with standard coverage. However, you will still have to give detailed information even though buying a policy without a medical exam may seem simple.

A comprehensive medical evaluation will establish your actual degree of fitness. If there are any possible health problems, you will be in a position to opt for medical intervention and timely treatment.

Although it is not mandatory, you should go for a medical examination before buying health insurance coverage.

A cashless Mediclaim policy is a progressive new way to manage medical expenses. Traditionally, when someone falls ill or requires medical attention, they must pay for the costs upfront and then submit a claim to their insurance provider for reimbursement. However, with a cashless Mediclaim policy, the entire process is streamlined and simplified.

A cashless Mediclaim policy allows you to walk into any of your insurance provider’s network hospitals and receive the necessary medical treatment. The payment for the treatment is then directly settled between the insurance provider and the hospital without the need for you to pay any money upfront. This arrangement eliminates the burden of arranging for funds in times of medical emergencies while also allowing for a seamless and hassle-free medical experience.

How does cashless Mediclaim insurance work?

Cashless Mediclaim insurance works in the following manner.

• Choose medical insurers that provide coverage for the majority of diseases.

• Provide information about your current and previous medical conditions, and then pay the premium.

• Review the network hospitals in your area.

If you become ill, you can go to any accredited hospital listed on the insurer’s network and get treated without having to pay anything out of pocket.

How to avail of cashless Mediclaim insurance?

Follow the steps below to understand better how to get cashless Mediclaim benefits.

• Choose a network hospital:

The first step is to choose a hospital that is part of your health insurance provider’s network. 

• Intimate the insurance provider:

Once you have identified the network hospital where you want to get treated, you must inform your insurance provider either by calling their customer care number or using their mobile app.

• Show your insurance card:

• When you reach the hospital, show your Mediclaim insurance card to the hospital’s billing department or third-party administrative officer. The card will have all the necessary details, such as the policyholder’s name, policy number, and coverage details.

• Get pre-authorisation:

The hospital will then contact the insurance provider to get pre-authorisation for the treatment. The hospital does this to check the coverage amount and ensure your policy covers the treatment.

• Get treated:

Once the pre-authorisation is received, you can get treated without having to pay any cash upfront. The hospital will send the treatment estimate to the insurance provider directly.

• Settle the balance:

In case the total cost of treatment exceeds the policy’s coverage limit, you will have to settle the balance amount directly with the hospital.

Picture this: you wake up one morning feeling unwell, and the only thing on your mind is getting medical attention. But as you navigate the maze of healthcare options available, you are left wondering — what is the best choice for my health insurance needs? Choosing the right health insurance plan can be overwhelming in a place where healthcare is a top priority. And with multiple options available, it is easy to get confused about which plan to go with. One of the most common debates in the Indian insurance sector is whether a private health insurance plan can replace a government-run scheme. 

What is ESIC?

The Employees’ State Insurance Corporation (ESIC) is a statutory organisation responsible for the Employees’ State Insurance (ESI) management and administration. The scheme was introduced in India in 1948 under the Employees’ State Insurance Act to provide social security benefits to employees in the organised sector, such as medical perks that include benefits pertaining to sickness, maternity, disability as well as death.

The ESI is a self-financing social security and health insurance scheme for workers earning a monthly wage of up to Rs 21,000 and Rs 25,000 if a person has a disability. ESI is funded by employers and employees, with the employer contributing 4.75% of the employee’s salary and the employee contributing 1.75%.

The ESIC has a multifaceted role in managing and administering the ESI Scheme. Its responsibilities include collecting contributions, providing medical and cash benefits to employees and their dependents, and managing hospitals, dispensaries, and other medical facilities. Additionally, it serves as a regulatory body to ensure compliance with the ESI Act and other related laws. 

Difference Between ESIC and Mediclaim

Below are the primary distinctions between ESIC and Mediclaim.

ESIC:

• It is a government-run health insurance scheme for employees in the organised sector, earning up to a certain limit. 
• The ESIC sees contributions from both employers and employees.
• It provides a range of benefits; this includes medical, cash, disability, maternity and dependent benefits.
• ESIC also manages and runs its network of hospitals and dispensaries.

Mediclaim:

• It is a private health insurance policy that individuals can purchase from insurance companies.
• It is available to anyone willing to pay the premium, regardless of their employment status or income level.
• It provides coverage for hospitalisation expenses, including medical bills, room charges, surgery costs, and more, up to the sum insured.
• Mediclaim policies have broader coverage and more flexible options but come at a higher cost than ESIC.

Benefits of Switching to Mediclaim from ESIC

Switching from ESIC to Mediclaim can have several benefits, including:

• More comprehensive coverage: Mediclaim policies offer a broader range of benefits than ESIC, including coverage for pre-existing conditions, outpatient expenses, and non-allopathic treatments.

• Greater flexibility: Mediclaim policies offer more flexibility in terms of choosing the sum insured, adding riders or endorsements, and selecting hospitals and doctors.

• Higher coverage limits: Mediclaim policies have higher coverage limits than ESIC, which means that you can get higher coverage for hospitalisation expenses, including room rent, medical bills, and surgery costs.

• Tax benefits: Premiums paid towards Mediclaim policies are tax-deductible under Section 80D of the Income Tax Act, 1961, whereas ESIC contributions are not tax-deductible.

• No dependency on employment status: Unlike ESIC, which is only available to employees in the organised sector, Mediclaim policies are available to anyone willing to pay the premium, regardless of their employment status.

Mediclaim cannot replace ESIC as ESIC is a mandatory social security scheme for employees in the organised sector, whereas Mediclaim is a private health insurance policy. However, employees not covered under ESIC can opt for Mediclaim for health insurance coverage.

Today, where medical costs are skyrocketing and can drain one’s finances, a Mediclaim policy has become an essential shield to safeguard against unexpected medical expenses. It offers financial assistance during medical emergencies, ensuring you and your loved ones receive the best medical care without any economic burden. However, with various payment options available, people are often uncertain about the payment methods for their Mediclaim premiums. Let’s explore whether Mediclaim premiums can be paid in cash and understand the answer in detail.

Before delving into the topic, it is essential to understand the basics of Mediclaim. A Mediclaim policy covers the expenses incurred during medical treatment, consultation charges, and pharmacy bills. It provides financial assistance to you, ensuring you do not face any economic burden due to unexpected medical emergencies. To avail of these benefits, you must pay a premium to the insurance company at regular intervals, as specified in the policy document.

Can you make a cash payment for the Mediclaim premium?

Yes, most health insurance companies will accept cash payments for Mediclaim premiums. However, checking with the specific insurer about their preferred payment methods is always a good idea. You should make cash payments directly at the insurer’s branch office and remember to obtain a valid receipt for future reference. For added convenience and security, you should use electronic payment methods such as online transfers or debit/credit card payments.

No tax benefit when you pay cash for Mediclaim Premium

If you pay the premium for your Mediclaim insurance policy in cash, you will not be eligible for any tax benefits. Under Section 80D of the Income Tax Act, tax deductions are available only on premiums paid through digital modes of payment like Net Banking, credit cards, or debit cards. Therefore, choosing a suitable payment method to maximise your tax savings while purchasing a Mediclaim policy is essential.

• You are eligible for a tax break of up to Rs 25,000 for Mediclaim insurance premiums paid for yourself, your spouse, and your dependent children.
• An additional benefit of up to Rs 25,000 is available for Mediclaim insurance premiums paid for your parents.
• If you or your parents are senior citizens (age 60 years or above), the deduction limit increases to Rs 50,000.
• If you and your parents are both senior citizens, the deduction limit increases to Rs 1,00,000.
• It is important to note that the total deduction for Mediclaim insurance premiums, including those paid for parents, cannot exceed Rs 1,00,000.

However, you can still get a tax benefit if you spend money on preventive healthcare, such as routine health tests, and pay for it in cash. In this case, the maximum allowable deduction is Rs 5,000, and the benefits are limited to a cap of Rs 25,000.

When it comes to healthcare expenses, medical insurance is a saving grace for many people. However, even with insurance, the costs can add up quickly, leaving many policyholders struggling to pay their medical bills. That is where hospital discounts come into play.

A hospital discount is a reduction in a hospital’s total bill amount for medical treatment, surgery, diagnostic, or any other healthcare service provided to you. Typically, insurers offer these discounts to help you reduce your out-of-pocket expenses. Insurance companies provide hospital discounts in collaboration with their network hospitals.

The Insurance Regulatory and Development Authority of India (IRDAI) issued an order in 2015 requiring all insurance providers to make it mandatory for hospitals to disclose any and all discounts on the final hospitalisation bill. This move aimed to increase transparency and ensure that policyholders are aware of any discounts offered by the hospital on their medical treatment bills.

Now that you are aware of hospital discounts, it is time to look at some methods for obtaining them.

How to avail of a hospital discount while billing?

• Spot billing errors: Be vigilant about billing errors to save money on your medical bills. If you notice any discrepancies, connect with the hospital billing department immediately. Requesting an itemised bill can also help provide a detailed breakdown of charges for various services, pharmacy bills, inpatient stays, and other factors.

• Go for a health card: A health card with a No-Cost EMI option can help you pay your medical bills in convenient monthly instalments, reducing your financial stress. This benefit is available at all network hospitals affiliated with your insurer. Furthermore, various insurers provide hospital bill discounts when you swipe their health card.

• Negotiate: You can negotiate with the healthcare provider for a discount on your medical bill. Explain your financial situation and ask if they offer any discounts, payment plans, or other options to help reduce the cost.

• Upfront payment: Depending on the hospital, medical bills can also provide benefits similar to other cash payment discounts. This can be particularly helpful if you are dealing with expensive medical bills. Certain hospitals may offer a substantial discount if you settle the entire treatment cost upfront but remember that this offer requires immediate payment.

Mediclaim is basically health insurance that covers your medical expenses. It includes costs related to hospitalisation, diagnostic tests, consultation fees, and OPD treatments. Pre-hospitalisation expenses cover costs, such as medical tests like blood tests, urine tests, or X-rays. Post-hospitalisation expenses cover those tests prescribed by the physician to ascertain the recovery or progress of the patient. Not all therapies, like physiotherapy, are covered under post-hospitalisation expenses. Nonetheless, you can claim and obtain coverage for physiotherapy prescribed by the doctor after hospitalisation under post-hospitalisation expenses. The policyholders have the option to claim both pre- and post-hospitalisation expenditures by submitting authentic invoices, pertinent duplicates of the doctor's certification and discharge summary.

Comprehensive health insurance plans usually offer coverage for physiotherapy. It's good to check what your policy covers. The financial strain during medical emergencies is reduced with health insurance or Mediclaim plans, making them an essential component of fundamental financial planning.

Having health insurance or Mediclaim is essential as it covers medical costs during emergencies. These plans include annual health check-ups and day care treatments. It also offers a no-claim bonus (NCB) and domiciliary hospitalisation. It's essential to check the list of inclusions in your policy to get maximum benefits from them. Standard policies may not cover physiotherapy expenses, but you can make a claim if the policy covers OPD expenses. Comprehensive health insurance plans usually offer coverage for physiotherapy, which is beneficial in case of unexpected injuries or medical conditions that require physiotherapy treatment.

Add-on for Covering Physiotherapy Sessions

• To cover Physiotherapy in your policy, you can also buy add-ons by paying a little extra premium. E.g. ICICI Lombard’s Befit add-on covers several out of hospital medical services which allow you to talk to a general physician, specialist, or super-specialist doctor online or at a clinic or via teleconsultation, 24/7.
• These add-on usually cover everyday health needs that don't require hospitalisation, including physiotherapy sessions.
• The benefits of such add-ons include access to medical practitioners through audio, video, online portal, chat, or mobile application, 24/7 e-consultation, and coverage for laboratory tests and minor procedures recommended by the network medical practitioner.
• You can acquire cashless coverage for medications and medical supplies.
• You can receive coverage for the evaluation, diagnosis, and treatment of ailments related to bones and joints from physiotherapists within the insurer’s network.
• When buying add-on covers, you should consider factors such as the scope of coverage, the waiting period, and the additional premium amount.

When it comes to safeguarding our well-being, we often seek refuge in things that give us comfort, be it our family or our hobbies. But what about the unexpected twists that life throws our way? Illnesses and accidents can often leave us stranded in the face of physical and financial uncertainty. During these times, we realise the true importance of having a safety net that can catch us when we fall. The concept of the Mediclaim policy kicks in here.

Mediclaim Meaning

A Mediclaim policy is a type of health insurance policy that provides coverage for medical expenses incurred due to illness or injury.

• This policy typically covers hospitalisation costs, medical treatments, and other related expenses.
• The policyholder pays the insurer a premium in exchange for this coverage.
• The coverage and benefits offered by a Mediclaim policy can vary depending on the policy provider and plan chosen.
• Mediclaim insurance plan offers both cashless and reimbursement claim options.

How does Mediclaim work?

When you buy a Mediclaim policy, you pay a premium to the insurance company. In exchange, the insurance company agrees to pay for all or a portion of your medical expenses up to the coverage limit specified in the policy.

• In a medical emergency, you can seek treatment from an affiliated hospital to receive cashless treatment or if you want reimbursement for your treatment bills from another healthcare provider.
• The third-party administrator (TPA) is responsible for assisting you with documentation issues and taking care of the rest of the procedures to ensure a smooth claim settlement for cashless hospitalisation.
• In the event of a reimbursement claim, the insurer will first review all the bills you have provided and determine how much of the medical expenses are covered by the policy.
• You must remember that Mediclaim policies do not cover a wide range of ailments and may include a waiting period for some or all of the covered diseases. As a result, before making any decisions, always read the policy wording.

Features of buying Mediclaim policy

• Financial protection:

The primary benefit of a Mediclaim policy is financial protection. It can help you pay for expensive medical treatments and hospitalisation costs, which can put a strain on your wallet.

• Cashless hospitalisation:

With a Mediclaim policy, you can get cashless hospitalisation at network hospitals. That means you can get treatment without having to pay cash upfront. The insurance company will settle the bills directly with the hospital.

• Tax benefits:

You can claim a tax deduction for the premium paid towards your Mediclaim policy under Section 80D of the Income Tax Act.

• Pre- and post-hospitalisation expenses:

Mediclaim policies also cover pre- and post-hospitalisation expenses, including doctor's consultation fees, medicines, and diagnostic tests.

• No-claim bonus:

Mediclaim policies offer a no-claim bonus if you do not make any claims in a policy year. This can be in the form of a higher sum insured or a reduction in premium.

• Critical illness coverage:

Many Mediclaim policies offer coverage for critical illnesses, such as cancer, heart attack, and stroke. 

Mediclaim policy is an essential part of financial planning. It provides financial protection against unexpected medical expenses and ensures that you and your family can access quality healthcare without worrying about the cost. Before purchasing a Mediclaim policy, ensure you compare the features and benefits of different policies and choose one that meets your specific requirements.

Medical emergencies are uninvited guests that bring financial woes with them. And to help you avoid the consequences, Mediclaim products on the market are there. Mediclaim is an insurance policy that covers hospitalisation, medical treatments, and other related costs. But did you know that there are several jargons that you must decode when filing a claim for treatment expenses? CCN is one such terminology.

CCN, which stands for Claim Communication Number, is a unique identifier a health insurance provider generates for each claim request submitted by the policyholder. This number serves as an acknowledgement of receipt of the claim request and also allows the policyholder to track the status of his/her claim.

The concept of CCN number kicks in once you submit a duly filled claim form with all the necessary documents, such as medical bills, doctor’s prescriptions, and other related documents. The insurance provider verifies these documents and processes the claim. Once the claim is processed, the CCN number is generated and shared with you via SMS or email.

You cannot overstate the significance of CCN numbers in Mediclaim. In addition to serving as a unique identifier, CCN also helps to streamline the claims process, making it faster and more efficient. With the help of CCN numbers, insurance providers can quickly retrieve the details of the claim request.

Steps to Identify CCN Number

Identifying the CCN number is an important step in the Mediclaim process, as it allows policyholders to track the status of their claims. Here are the steps to identify the CCN number:

• Check your email or SMS inbox: Insurance providers usually send the CCN number to policyholders via email or SMS once the claim is processed. Check your inbox for any communication from the insurance provider.
• Check the physical documents: Policyholders can find the CCN number written on the physical copies of the claim documents. Look for the CCN number on the top of the claim form or the reimbursement receipt.
• Check the insurer’s website: Most insurance providers have an online portal or mobile application that allows policyholders to track the status of their claims. Log in to the portal and enter your policy details to check the status of your claim and find the CCN number.

If you are unable to identify the CCN number, contact the insurance provider’s customer service for assistance.