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We provide comprehensive health cover keeping people’s needs at the core of our thinking. Tell us a little bit about yourself to help us find the ideal health insurance plan for you.
Comprehensive health insurance policies are full of benefits for their policyholders that most people may not be aware of.
A policyholder can avail of required treatment in any network hospital (registered with his insurance provider) without paying the treatment expenses (up to the sum insured limit). How? The company pays on his behalf and allows him to focus on his treatment.
The expenses before hospitalization and after discharge from the hospital (up to a specific period) are covered by health insurance, provided the treatment agrees with the terms and conditions of the chosen policy
A health plan covers you for a pre-existing disease once you have completed the waiting period mentioned in the policy certificate.
You can claim a tax benefit on health insurance premium under section 80D of the Income Tax Act, 1961.
Comprehensive health insurance also pays for your ambulance expenses during a medical emergency.
Health insurance portability allows the policyholders to switch from their existing health insurance company to another, in case they are not satisfied with their existing health insurance plan, or find a more suitable plan. Portability feature saves the policyholders from being taken for granted and offers them flexibility to switch in case of dissatisfaction.
As per the insurance guideline, you are allowed to cancel the policy within 15 days from the date of issuance of the policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.
Health insurance is a specific type of insurance policy that offers medical coverage to the insured against unforeseen medical bills in case of sudden hospitalization. Medical insurance ensures protection against diseases and injuries by directly paying the medical care provider on your behalf.
A comprehensive health insurance policy covers the cost of hospitalisation including pre and post-hospitalisation expenses, medical care at home (otherwise known as Domiciliary Hospitalisation), daycare procedures, ambulance charges, amongst others.
Cashless treatment may be your savior when you don’t have arranged funds in the form of cash at the time of any medical emergency. All you have to do is choose a health insurance provider that offers cashless treatment facility to avail this benefit.
Health insurance policy covers all the expenses before the patient is admitted to a hospital and after discharge from the hospital up to a specific period given that such expenses are associated with the illness depending on the terms and conditions of the insurance company.
If you purchase a health insurance policy, you will be eligible to get tax benefits for the premiums paid under Section 80D of the Income Tax Act, 1961. Depending upon the age of the policyholder and his/her parents (if any), one can enjoy tax benefits up to a certain limit.
Restoration benefit under health insurance basically restore your Sum Insured amount automatically once the you have completely used your Sum Insured in a policy year. The insurance company will offer you this benefit you do not have to pay any additional cost for the same. However, the medical insurance plans with restoration benefits are expensive when compared to basic health insurance plans and are applicable on the word of the clauses of the policy.
Your health insurance company will bear the costs of organ transplantation since health insurance policy covers surgery expenses related to organ donation. However, keep in mind that costs for complications post surgery, medical tests and organ donor expenses are not covered under the same.
Although most people are concerned about how TPAs work, still many don’t know how health insurance claims are settled. A good health insurance company will settle your health claims as soon as possible. However, the time it may to settle a health claim may vary. For the claim on your mediclaim policy, the insured must approach the TPA for all formalities and verification process. It takes generally two days to settle claims for TPAs. Here’s how to file a health insurance with your insurance provider.
Although most people are concerned about how TPAs work, still many don’t know how health insurance claims are settled. A good health insurance company will settle your health claims as soon as possible. However, the time it may to settle a health claim may vary.
For the claim on your mediclaim policy, the insured must approach the TPA for all formalities and verification process. It takes generally two days to settle claims for TPAs. Here’s how to file a health insurance with your insurance provider.
Cashless Health Insurance Claim Process
Reimbursement Health Insurance Claim Process
There are a number of factors that you must consider while buying health insurance policy online. However, including every one of the factors would be both confusing and hard, so here are the 10 most important things that you must check while buying health insurance plans online in India.
There are quite a few parameters that you must consider before you buying a health insurance plan for family. Some of them are stated below:
Portability is a relatively new facet introduced for mediclaim policies in India. Now, you don’t necessarily have to get your policy renewal done with the same insurer year after year. New insurers are coming with lucrative deals. So, you can compare medical insurance companies in India and select the provider of best policies on your medical policy renewal. The portability feature of health insurance in India essentially allows mediclaim policyholders switch from one insurer to another. You can retail all your accrued benefits even if you decide to change your policy provider.
There are many reasons why policyholders choose to port their mediclaim policy. Mediclaim policyholders change insurers if they find an insurer with better deals. Sometimes, inefficient services by existing providers force policyholders look for a new medical insurance company in India. Ever since its introduction, portability has proved to be beneficial for policyholders. Here are the advantages of porting of health insurance in India.
IRDAI imposes some terms and conditions and deadline for all policyholders willing to port their mediclaim policy have to maintain. Policyholders in India also have to go by guidelines set by IRDAI. Here are some vital guidelines about portability of medical cover in India.
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Product | Comprehensive Plan | Family Health Optima | Care | Care Freedom | Kotak General Isurance | Edelweisses | ICICI Lombard |
Product Type | Reimbursement Hospitalization And Cashless | Reimbursement Hospitalization And Cashless | Reimbursement Hospitalization And Cashless | Reimbursement Hospitalization And Cashless | Reimbursement Hospitalization And Cashless | Reimbursement Hospitalization And Cashless | Reimbursement Hospitalization And Cashless |
Key Features ( Key features of the plan ) | Automatic Restoration – 100% Available, No Claim Bonus, Hospital Cash Benefit, Cover Against Accidental Death And Permanent Total Disablement, Health Checkup For Every Claim-free Year, Wellness Program – Earn Wellness Reward, Option Available To Buy Back Pre-existing Disease | Automatic Restroration Of SI, Instant Recharge UPTO 30% Of SI, New Born Baby Cover From 16th Day | 15 Days Free-look Period, Lifelong Renewability,Auto Recharge If SA Exhausts Upto 100%, 541 Day Care Treatment, No Claim Based Loading, 5420+ Network Hospital Covered | 15 Days Free-look Period, Lifelong Renewability, 170 Day Care Treatment, 5420+ Network Hospital Covered, 100% Increase Of Sum Insured With No Claim Bonanza | Low Premium , No Limit on everything ,Can take mimimum 3 lacs SI , No co-pay till 65 age | 241 Benift , Can take 3 Lacs SI , Not limit on minimum SI & no zone wise co pay | USP : Donor Expenses, Emergency Assistance, World Wide Coverage, Unlimited Reset, Air Ambulance, Super No Claim Bonus, ASI Protector, Sum Insured Protector,Claim protector |
OPD Details ( In some policies, OPD (Out patient department) expenses are also covered. ) | Available Once Every 3 Years, Rs 5000 | Not Applicable | Not Applicable (Optional) | Not Applicable | Not Applicable | Not Applicable | Not Applicable, (optional) |
Pre-acceptance Medical Check Up ( Whether a pre-acceptance check up is required or not to buy the policy ) | Not Applicable | Not Required | Not Applicable | Not Applicable | Not Applicable | Applicable Post 60 age | Applicable after 55 |
IN-PATIENT CARE | |||||||
Room Rent ( A limit of room rent cover during hospitalization if any ) | Private Single Standard A/C | Single Standard AC Room, Actual | Single Private Room, Upgradable | Twin Sharing | Single Private Room | Single Private Room, Upgradable | Any category |
Domiciliary Hospitalization ( It is the expenses incurred on treatment of the patient at home ) | Covered For A Period Exceeding Three Days. | Yes | Up To SI | Up To SI | Up To SI | Up To SI | Up To SI |
Pre-hospitalization ( Expenses before the insured is hospitalized ) | 60 Days | 60 Days | 30 Days | 30 Days | 60 Days | 30 Days | 30 Days |
Post-hospitalization ( Expenses after discharge from the hospital ) | 90 Days | 90 Days | 60 Days | 60 Days | 90 Days | 60 Days | 60 Days |
Non-allopathic ( Expenses incurred on non-allopathic treatment ) | Yes | Yes | Yes | No | Yes | Yes | Yes |
Day Care Treatment Covered ( Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI. ) | All Daycare Treatments Are Covered | ALL DAY CARE PROCEDURES COVERED | 541 Procedures | 171 Procedures | All Daycare Treatments Are Covered | All Daycare Treatments Are Covered | All Daycare Treatments Are Covered |
COVERAGE TERMS | |||||||
Organ Donor Expenses ( Expenses incurred on organ donor in case of organ transplants ) | Applicable | Upto Rs 0.5L | Upto Rs 1L | No | Applicable | Applicable | Applicable |
Hospital Daily Allowance ( Some plans offer daily allowance to take care of expenses like food, etc ) | Yes | Not Applicable | Not Covered | Upto Rs 1000 Per Day | Yes (Optional) | Yes (Optional) | Yes(As per plan) |
Pre-existing Coverage ( If the insured is having some existing diseases, that would be covered after particular time period ) | After 3 Years, Can Get Reduced To 1 Year On Additional Premium Payment | After 4 Years | After 4 Years | After 2 Years | After 4 Years | After 4 Years | After 2 Years |
Cumulative Bonus ( The amount by which your sum assured gets increased, if there is no claim. ) | 50 % Every Year | First 25 % then 10 % if Unclaimed | 10 % if Unclaimed | 10 % if Unclaimed | 10 % Garunteed No Claim Bonus | 10 % if Unclaimed | 10 % if Unclaimed |
Restoration Benefit ( Increase of Sum Insured for non-related illness if the original sum insured is exhausted ) | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Restoration Details ( Increase of Sum Insured for non-related illness if the original sum insured is exhausted ) | Upto Rs SI Once During Policy Period | Upto Rs SI Once During Policy Period | Upto Rs SI Once During Policy Period | Upto Rs SI Once During Policy Period | Upto Rs SI Once During Policy Period | Upto Rs SI Once During Policy Period | Upto Rs SI Once During Policy Period |
EMERGENCY COVERAGE | |||||||
Ambulance Charges ( Expenses incurred on ambulance charges ) | Yes | Upto Rs 750/- Per Hospitalization And Overall Limit Of Rs 1500/- Per Period | Upto Rs 2000/- | Upto Rs 1000 Per Hospitalisation | Yes | Yes | Yes |
Worldwide Emergency ( The emergency medical assistance and cover against medical expenses while the customer is abroad ) | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Applicable |
WELLNESS BENEFITS | |||||||
Health Checkup ( An added benefit of one time full health checkup of policy holder. ) | Yes | Upto Rs 1500/- | Available To All Members | Available To All Members | Yes | Yes | Yes |
Non-allopathic Details ( Expenses incurred on non-allopathic treatment ) | Upto SI | Upto SI | Upto Rs 20000/- | Not Applicable | AYUSH Up To 15000 | Upto SI | Upto SI |
Animal Bite ( Cover againts any medical expenses occurred due to any Animal Bite ) | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
LIMITATIONS | |||||||
Sub Limit ( Sub-limit is a monetary capping that applies on specific diseases like cataract ) | Not Applicable | Not Applicable | Not Applicable | Applicable (Check Broucher) | Not Applicable | Not Applicable | Not Applicable |
Co-pay ( Mentioned %, if any is to be borne by Insured and rest will be borne by insurer ) | You Pay 0% Of Claim | You Pay 0% Of Claim | You Pay 0% Of Claim | You Pay 20% Of Claim | You Pay 0% Of Claim | You Pay 0% Of Claim | You Pay 0% Of Claim |
MATERNITY COVERS | |||||||
Maternity Benefits ( All Hospitalization cost covered at the time of pregnancy. ) | After 2 Years - Upto Rs 20K | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered | Not Covered |
It is heartening to hear all the good things that our customers had to say about our product benefits and customer service. Hear from our Customers who experienced with us.
Excellent health insurance plan! Covers annual health check-up for all family members . The customer support is really good and fast. Would recommend SBGIS to all.
Usually, when we think of insurance, we have to do some research to understand what's covered. It's been one of the most hassle-free experiences so far.
I have been very satisfied with your platform and services so far. Everything is super simple.Thanks for your extraordinary support and we love the way you expressed with the customer.
Very helpful team of SBGIS, they explained each and everything about the policy with patience which made me to buy car insurance right now. Thanks.