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Insurance Article

Save money with Group Mediclaim Policy

May 22 2010

This may affect your health and expose you to various health risks. At the same time other environmental factors also affect your health. Also you can fall ill anytime or have a medical emergency like an accident. Thus it is very necessary to get a mediclaim policy so that you are not stressed or helpless during situations requiring urgent medical intervention.Many companies provide mediclaim to their employees.

It is very advantageous to secure group Mediclaim policy in such cases. Instead of buying a separate policy for each employee, it is cost effective to apply for group Mediclaim as you get discounts.The following cover is provided by group Mediclaim policy:

  • Cover for hospitalisation
  • Cashless claims
  • Tax benefits
  • Pre and post hospitalisation charges
You can secure group Mediclaim policy on-line. It is advantageous and time-saving to get your policy on-line as you reduce paperwork and also get it instantly via net banking or a credit card. You can look up various policies on-line for discounts and other benefits. Different policy plans are available on the insurance company website along with price list and premium payment options.

The website also mentions various tax benefits that you can avail. When you purchase Mediclaim there are many advantages. Some policies provide extra cover like ambulance charges, surgical fees, medicine bills and chemotherapy. You can also avail cover for pre-existing illnesses and hospitalisation for deadly diseases like swine flu or H1N1 influenza.

Your claims are reimbursed within a week after you fill the claim form. You also need to submit your original medical bills, test reports and surgeon’s bill. It is beneficial to secure a policy as early as possible as your premium tends to increase with age. If you are below fifty five years of age, you do not need to undergo a health check up. You can extend your policy on-line if your policy expires after a year without having to fill the form once again.

You can also add more members and increase or decrease the sum amount when you renew your policy on-line. Insurance company websites contain an insurance guide whereby you are guided to choose a suitable policy for yourself. When you select a policy, you must take into consideration your age, pre existing illnesses, financial status and lifestyle. Thus getting a Mediclaim is the best way to protect yourself from all sorts of medical emergencies and secure peace of mind.

Summary - 

group Mediclaim policy is useful when you have a large family or need cover for a group of people. group Mediclaim policy can be purchased on-line from insurance company websites. Mediclaim comes in handy when you have a medical emergency and incur financial burden.

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