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AllyouwanttoknowaboutMediclaimPolicy

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AllyouwanttoknowaboutMediclaimPolicy
byHemantBeniwal
inInsurancePlanning
LastUpdatedOn:2/08/2012

Thereisasayingthatanappleaday,keepsthedoctorAwaybutthisdoesnotapplyintodaysworld.Firstofall,noteveryone
canaffordtohaveanappleadayandevenifpeoplewhocanafford,eatimpureapples,getsickandthenmeetdoctors.Endoftheday,wemeetdoctorsmore
regularlyevenmorethanwemeetourneardearones.Dosomecalculationsonyourownandfindout,howmuchmoneyyouspendonmonthlybasisjustto
visitdoctor,buyingmedicineandgettingtheRECOMMENDEDtestdone.Donttakeintoaccountanyhospitalizationcostyouincurred,elseyoumaywell
haveahighBP.

IndiaVsUSA
Bottomline,Themedicalexpensesareincreasingdaybyday,thereisnoescapetothis.YouwillbeastonishedtoknowthatinUS,15%USGDPisallspent
onmedicalcost.15%ofUSGDPmeans,closetodoubleofIndiaGDPwhichisoverRs.5,60,000Crore.InUS15.3%populationisnotinsuredbyhealth
cover&another35%ofthepopulationisunderinsuredbutinIndia88%ofthepopulationisnotcoveredbyhealthinsurance.Medicalexpensearenowon
theriseinIndiaaswell.Intodaysfastmovingandfastearninglife,wespentourhalfworkinglifein5starhotelsandhalfin5starhospitals(Read:The
risingstrengthofIndianMiddleClass).Thereliesahugeriskwitheveryoneaboutmedicalcosthittingonesfinancesinsuchabadway,thatattimes,itis
beyondrepairable.Wemeetmanypeoplewhoselleventheirhouse/goldorwithdrawingfromretirementsavingsjusttocoverthemedicalcost.Insucha
scenario,onehastocoverthemselvesfromsuchariskandgetagoodMedicalcoverintheformMediclaimpolicy.

WhatMediclaimPolicycovers

http://www.tflguide.com/2010/05/knowaboutmediclaimpolicy.html

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Mediclaimpolicycoversagainsthospitalizationcostoneincur,provideoneisadmittedformorethan24hours.Itcoversvariouscost
duringhospitalizationincludingthatofmedication,surgery,roomcost,ambulanceetc.Italsocoversthecostyouincuronmedication,test,doctorsfeesetc.
30daysand60daysposthospitalizationprovidedthecostisincurredforthesamecauseforwhichoneishospitalized.

WhoprovideMediclaimpolicies
MediclaimPolicyistypicallyofferedbyGeneralInsuranceCompanies&healthinsurancecos.bothinpublicdomain.Therearemanylifeinsurance
companiesthatalsoofferssuchsimilarproductsbutitisbettertotakepolicyfromspecialist.

TypeofMediclaimPolicies
Predominantlytherearetwotypesofmedicalpolicyavailable.Themostcommonwayoftakingsuchpolicyiswhere,youbuyaspecificcoveragecalledsum
assuredforeachofthefamilymembersforwhichyouwantthecover(IndividualPlan).Theotherwayoftakingthepolicyisthatyoubuyasumassurednot
specifictoanyparticularpersoninthefamilybutforthewholefamily,thisisknownasFloaterPolicy(FamilyPlan).
Forexample,afamilyoffour,husband,wifeand2kids.OnemaytakeRs.1Laccoverforeachofthepersonandifanyonemeetswithcasualtyandis
hospitalized,theinsurerwillpayuptothelimitspecifictotheperson.Butifyouhavetakenafloaterpolicy,youbuyafloatcover,letsayofuptoRs.3lacs
fortheentirefamily.Nowifanyoneinthefamily,meetswithcasualty,thecoverisuptoRs3lacs.Butifonehasfullyusedthatfloat,thenforthatyear,
insurancecompanywillnotpayanythingifeitherthesamepersonorsomeoneelsefamilyincurshospitalizationcost.
Specialpoliciesforseniorcitizensarealsoavailable.ConsultaCertifiedFinancialPlannernearyoubeforetakingthepolicybecauseitsimportanttofirst
judgeyourrequirement&thenselectbestsuitablepolicy.
AlsoRead:
Savingsnotenough,InvestyourMoney
FinancialResolutions

Claimsettlementprocess
Thereisamyththattakingclaimfrominsurancecompaniesistodifficult.Yes,itis,ifyouarenotawareofmethodologyandattimes,manypeoplefile
claimforsomethingwhichtheyarenotcoveredforornotinforminginsureratthetimeofhospitalization(incaseofcashlessclaims).Thesystemissuchthat
mostoftheinsurancecompanyhasaTPA(ThirdPartyAdministrator),TPAisanoutsourcingagencyofInsurancecompaniesthatservicesclaims.Oncethe
policyistaken,insurancecompanyissuescardtothePolicyholderwithnameofTPAonit.PolicyholderhavefreedomtoselectitfromlistofTPAswith
insurancecompany.Incase,onemeetswithcasualty,he/shehastoproducethesamecardinhospital.Earlier,therewasasystemofreimbursementof
expensewhereinyoufirstspendthemoneyfromyourpocketandthenapplyforclaim.Now,TPAoffersCASHLESSarrangementswithmanyhospitals.if
yougetadmittedsuchhospitals,theTPAwoulddirectlymakepaymentforwhichyouareentitledandhencethereisnoproblemofyouarrangingCash
immediately.

http://www.tflguide.com/2010/05/knowaboutmediclaimpolicy.html

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TaxBenefitsonMedicalimPolicies
MediclaimPolicyofferstaxbenefitaswellundersection80(D)whenpremiumispaidbyanymodeotherthancash.Apersonwhois30%taxslabcan
incometaxuptoRs12360bypayingRs40000aspremium.CheckTable:

Usersoffinancialproductsmakecostlymistakes,eithertheybuy
costlylifeinsurancepolicyortheyignorecheapMediclaimPolicyandthenincurhugecost.Choiceisyours.
ReadMoreArticlesonInsurance.
Pleaseaddyourcomments:Yourcommentswillhelpustowritebetterinfuture.

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{52commentsaddone}

SyedMunavarAliMay28,2010,4:47AM
Hi,thearticlewasveryinformative.Stressestheimportance&theneedtohaveaproper,suitablehealthinsurancecover.Canyoupleaseaddmore
detailsaboutonwhatgroundstheclaimsaredenied,too?Iguess,thiswillbemorehelpfulfortheinsuredtobeinformedaboutthisassomeunpleasant
surprisescouldbeavoided.Thanksforthearticle,again.
ReplyLink

TFLMay28,2010,5:50AM
@Syed
Weknowthisisoneoftheconcernspeoplehave,wewillsooncomeupwithsucharticle.
KeepvisitingTFL.
http://www.tflguide.com/2010/05/knowaboutmediclaimpolicy.html

4/16

8/28/2015

AllyouwanttoknowaboutMediclaimPolicy

ReplyLink

krishnaraoMay28,2010,5:08PM
Manythanksforthisveryusefularticle.
Krishna
ReplyLink

TFLMay29,2010,8:07AM

Canyousharefewmorebasictopicsthatyouwouldliketoread.
ReplyLink

soniaMarch6,2013,3:12PM
pleasesharetaxsavingschemesandbenefitsforsinglewomenparent.
ReplyLink

DeepakSharmaJune9,2010,5:30PM
Iamextremelythankfulforyoursuggestionsandguidelines.
IwishIhadmetyouearlier,andincreasedthereturns.
Keepupthegoodwork.
Regards
DeepakSharma
ReplyLink

TFLJune9,2010,9:19PM

ReplyLink

financethinkerJune24,2010,1:08PM
canyouguidemeforagoodmedcilaimpolicyastherearemanyinthemarketandiamconfused.
pleaseguidemeforaproperpolicy
andalsoforagoodinsurancetermpolicy
itookbajajallainazandigotrobbeditwasanightmare
ReplyLink

TFLJune25,2010,12:50PM
HiFT
http://www.tflguide.com/2010/05/knowaboutmediclaimpolicy.html

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AllyouwanttoknowaboutMediclaimPolicy

Wedontadviceproductshereasproductdependsonspecificneedsofindividual.Aproductthatisgoodforyoucanturnfatalforothers.
SearchforaCFPnearyou.
KeepvisitingTFL.
ReplyLink

BirbalSharmaNovember10,2010,10:01PM
Whatisbenefitofdoublemediclaimpolicyinindia?
ReplyLink

HemantBeniwalNovember23,2010,10:14PM
HiBirbal
Assuchthereisnobenefitoftaking2mediclaimpoliciesbutifyouarebuyingsecondpolicyastopuppolicyyoucanincreaseyoursum
assuredwithlesserpremium.
ReplyLink

FareedAhmedNovember10,2010,10:19PM
Whichisfastestcashreimbursementmedicalpolicyindia?
ReplyLink

HemantBeniwalNovember23,2010,10:16PM
HiFareed
Assuchthereisnocomparativedatabutifyourdocumentsarecompletedyoucanexpectafastdisbursal.Peoplehavegoodexperiencewith
apollo&bajaj.
ReplyLink

SatishKumarNovember10,2010,10:24PM
Howclaimsinmediclaimpolicysettledifthereare2policiesforthesamepersonin2diffrentcos.
ReplyLink

HemantBeniwalNovember23,2010,10:22PM
HiSatish
Claimwillbeequallydividedbetweenboththecompanies.
ReplyLink

RajendraNovember18,2010,4:42PM
Myageis25Years&Iwanttopurchasemediclaimpolicy.WhichisthebestmediclaimpolicyIcangivepremiumuptoRs4000peryear.
http://www.tflguide.com/2010/05/knowaboutmediclaimpolicy.html

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ReplyLink

hemantbeniwalNovember18,2010,5:00PM
HiRajendra
MedicalInsuranceorLifeInsuranceisnevertakenthiswaythatIcanaffordthismuchofpremiumsowhatshouldbemysumassuredorwhich
policyshouldIbuy.Itsalwaysotherwayroundthatyoufirstcheckwhatexactlyisyourneed,howmuchshouldbethesumassured&thenyou
asksomeoneforpremium.Normallyifsomeonerealizesthatpremiumisnotaffordablemeanseitherhehasnotcalculatedhisneedsrightlyorhe
isnotmanaginghisincomerightly.IfIassumethatyouwanttohaveindividualmediclaimpolicywithRs3Lakhsumassured.MySuggestion
willbegoforApolloMunicheasyhealthinsurancepolicyitspremiumiscompetitive,claimsettlementratioisgood&bestpartisyoucan
renewitforlife.PremiumforthiswillbearoundRs3600.
ReplyLink

VipinKhandelwalNovember19,2010,6:38AM
HemantJiPleaseHelp
PresentlyIamattheageof46male.Since44,IownamediclaimpolicyofThenewIndiaAssurancecompanyLtd.Ihadbeeninsuredtill
31/03/2010underthatpolicy.Iforgottorenewthesamebefore31/03/2010andwhenIcontactedthebranchmanageron01/04/2010herefusedto
renewthesameandsaidthereisnograceperiod.InthedocumentofthesameinsurancecompanyIhaveseenthecontentmentioningthatthecompany
hasrighttorejecttherenewalatanypointoftime.PresentlyIamfreefromanyailmentbutIfeelinduecourseoftimeinmylaterageImayneed
medicalassistanceasusualforthatIwishtopurchaseamedicalinsurancepolicyandkeeponrenewingthesametillmydeath.Pleaseadvisemea
medicalinsurancepolicythat:
1.CannotrefuserenewalofthepolicyaftersomeyearswhenIwillhaveenteredin50s.BecauseifIpurchaseapolicyfromsomecompanyattheage
of46thantowhichcompanyIwillgotoatmylatterage.
2.Offerlowestpremiumwithhighestsumassured.
3.Theofferingcompanyismostreputedfortheirclaimsettlements.
4.Theofferingcompanyisreputedfortherehonesty.
ReplyLink

hemantbeniwalNovember19,2010,8:19AM
HiVipin,
ItisquiteunfortunatetolearnwhathappenedwithyourmediclaimpolicyasthenewIndiaAssurancecompanyLtdistheonlyPSUgeneral
insurancecompanythatdoesnowallowagraceperiod.ThetwocompaniesthatofferguaranteedrenewalforlifeareApolloMunichandMax
Bupa.Ofcoursethesearenotthemosteconomicalonpremiumbutcertainly,ApolloMunichdoesmatchallpointsthatyouhaveraised
includingrenewal,comparativelylowerpremium&goodclaimsettlement.Honestyisaverysubjectivething&cantbedeterminedassuch.In
caseanyadversemedicalconditiondevelopsatalaterdate,youbecomesabadriskforthecompany,theywillcertainlyloadyourpremiumbut
theywillneverrefuseyourrighttorenew.MysuggestionisgoforApolloMunichtheirclaimsettlementratio&otherprocessesaregood.Max
BupaisnewinMarket&evenpremiumsareonhigherside.
ReplyLink

AnonyDecember29,2010,12:05AM
Hemant
Arethereanymediclaimpolicywhichwillgiveusanyreturnsapartfromtaxsavings&medicalcover.
ReplyLink

HemantBeniwalDecember29,2010,12:18AM
Everymediclaimpolicyprovidestaxbenefit.TherearefewHealthInsuranceproductsfromlifeinsurancecosthatmatchesyoursecond
http://www.tflguide.com/2010/05/knowaboutmediclaimpolicy.html

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AllyouwanttoknowaboutMediclaimPolicy

requirementlikeICICIPruhealthsaver.Butactuallytheseareveryexpensive&complexproductsIwillsuggestgoforsimplevanillafloater
mediclaimpolicies.
ReplyLink

RohitBhagavaDecember29,2010,7:31AM
Bestmediclaimpolicy2011India
ReplyLink

HemantBeniwalJanuary8,2011,9:13AM
HiRohit,
ChoiceofpolicydependsononcerequirementbutIfoundApolloMunichscoringgoodonfewcriteria.
ReplyLink

ADITYAKAWMarch3,2011,9:29AM
Hemantji
CanyouguidemewhichisthebestmediclaimpolicycurrentlyinIndiaintermsofclaimsettlementratio.Furthermyself(37yrs),mywife(36yrs)&
01child(3yrs)tobeinsuredforlife.whichinsurancecompanyGovt/privatecanbeappliedkeepinginviewforlongterm40yrs(shouldbe
reliable&coversmaximumbenefits&havegoodtrackrecord)
ReplyLink

HemantBeniwalMarch3,2011,4:17PM
HiAditya,
Nothingisbestinthisworldifitisbesttodaymayhavechancetobeworsttomorrow.Sobestshouldnotbethecriteriaofchoosingany
financialproduct.
YoucancheckApolloMunich.
ReplyLink

SumeetGuptaMarch29,2011,3:41PM
HelloHemant,
IhavetakenOrientalHealthsfamilyfloaterplan,whichincludesmyparents.Myfather,at63,isaseniorcitizen.IampayingapremiumofINR
28000.However,myCAhastoldthatonlyINR20000(INR15000formeplusadditionalINR5000sincemyfatherisaseniorcitizen)isavailablefor
taxbenefit.Isthatso?WouldnttheamounteligibleforexemptionINR30000inthiscaseINR15000formyimmediatefamilyandanother15000
formyparents?Kindlyclarify.
ReplyLink

HemantBeniwalMarch30,2011,5:44PM
HiSumeet,
YesyoucantakethisbenefitmaximumbenefitthatcanbetakenisRs40000.(20000*2)
ReplyLink
http://www.tflguide.com/2010/05/knowaboutmediclaimpolicy.html

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AllyouwanttoknowaboutMediclaimPolicy

deepaliaggarwalOctober7,2011,10:02PM
HEMANTPLZTELLMEIFHEISPAYING28,000PREMIUM.HOWCANHEAVAILBENEFITOFSAYRS.35,000OR40,0000?
ReplyLink

shinuMay4,2011,8:03AM
HiHemant
Iamquitenewtotheblogandwasgoingaroundthroughthearchivesandfoundmanygoodinfo.igotconvincedoftheneedofamedicalinsurance
andterminsurance(thoughanNRIof38yrs)andisfindingoutthebestforme.appreciatetoknowyourviewonICICIlombardvsAppolomunichfpr
themedicalinsuranceandKotakeprefferedvsAegonReligarelifeinsurance.
Thanksinadvanceandallthebesttothebestservicesyoutocontinue
Shinu
ReplyLink

HemantBeniwalMay5,2011,7:58AM
HiShinu,
Itsgoodthatyougotconvincedthatthereisimportanceofinsuranceinoncelife.AsyoumentionedyouareanNRImysuggestionwillbethat
youshouldbuyitincountrywhereyouareresiding.ButforotherreadersIhavefoundthatApolloMunichpolicyfeaturesarebetter&also
servingbetterincomparisontoICICILombard.NocomingtoyourlifeinsurancequestionyesyoushouldbuyatermplanfromIndia.Ifwe
comparethecostofKotakepreferredtoAegonReligareitsalmostsamebutifwetalkaboutclaimsettlementKotakwinsthebout.
ReplyLink

jeganmohanMay14,2011,1:05PM
Hithisisjeganmohanandmyageis35andmybrotheris33wewouldliketotakeaindividualpoolicybutwearecofusedwhethertotakehealth
insuranceormedicalinsurance,weareplaningtotakefromReliancepleaseadviseus.Waitingforyourreply.
ReplyLink

kiranyeoleJune6,2011,10:06AM
Hemantji,
PlsuggestmecaniwilltakenLICsJeevanArogyapolicy?
Ifnowhyifyeswhyplgivemethedetails.
Kiran
ReplyLink

HemantBeniwalJune12,2011,5:50PM
HiKiran,
ReadthisarticletoknowaboutLICJeevanArogya
http://www.tflguide.com/2011/06/licjeevanarogya.html
ReplyLink

http://www.tflguide.com/2010/05/knowaboutmediclaimpolicy.html

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MayankGuptaJuly14,2011,1:07AM
Inmedicalpolicies,onehastotakecarethatifyourpolicyisnew,youmightfaceproblemingettingyourclaimapprovedastheywillcheckwhether
yourdiseaseispreexistingornot,andyoumightnotgettheclaimifyourdocumentsproofthediseasewaspreexisting!!!
ReplyLink

SrinivasanAugust12,2011,3:50PM
IhaveaMediclaimpolicywithNationalInsuranceCompanywhichofferscoverforindividualfamilymembers.Ihavetakendifferentamountsfor
differentmembersofthefamilyandhasbeensteadilyincreasing.Thispolicyhassomesublimitssuchas50%forMedicinesforoneillness,andother
minorbreakupforDoctorfees,amblance,roomrentetc.TherearenoseparatesublimitforPreandPosthospitalisationexpenses.
IalsohaveaFamilyfloaterforRs.5LakhsfromStarHealthandAlliedInsuranceCo.InthispolicytherestrictionisamaximumofRs.5000forpost
hospitalisation.
IfIhavetomakeaclaim,whatistheprocedure.AssumingImakeuseoftheFamilyFloaterforHospitalisationbenefits(sincetherearenosublimits
formedicines),canIusetheNationalIns.Co.,Mediclaimpolicyforposthospitalisationbenefitsforwhichtherearenosublimits(incasetheexpenses
breachRs.5000/limitasstipulatedbyStarHealth.
HowdoIdothepaperworksincetheTPAforNationalInsurancedoesashabbyworkandirresponsible.Kindlyguideme.
Regards
Srinivasan
ReplyLink

KumarOctober13,2011,10:29AM
Hi,
Imhavingcorporateinsurancepolicyfrommycompany.
MybabywasbornonAug6thandsincethenhospitalizedtillyesterday.29thSep2011
Expensesincurredwere5.09lacs.
Mypolicyyearwasfrom
Sep1st2010toAug31st2011withIFFCOTOKIA(TPAMEDIASSIT)
Sep1st2011toAug31st2012withUNITEDINDIAINSURANCE(TPAMEDIASSIST)
IhavealreadyavailedforcashlessfacilitywithIFFCOTokiathroMEDIASSITbutastheexpensesmorethandoubleofmyinsuredsum,Istillneedto
reimburseforthe3.5lacsortheexpensesfromSep1sttotilldischargeon29thSep2011fromUnitedIndiaInsurance??
Inthatcasecouldyoupleaseletmeknowtheprocessforthesame.
ButmyTPAissayingitsnotpossibletoreimburse,butihavereadonlinethatitspossible,sonowtheywantreferencestosuchdocumentation.Could
youpleasepointmetosomeofsuch
Thanks
kumar
ReplyLink

SumantFebruary16,2012,9:08PM
Iamlookingforaninsuranceagentwhocanhelpmewithallmygeneralinsuranceneeds(medical,accident&disability,home,car&2wheeler).
NationalInsuranceCoagentspreferred.
ReplyLink

HemantBeniwalFebruary17,2012,9:54AM
HiSumant,
http://www.tflguide.com/2010/05/knowaboutmediclaimpolicy.html

10/16

8/28/2015

AllyouwanttoknowaboutMediclaimPolicy

YoucansearchinJustDialforyourcity.
ReplyLink

kalingsiramMarch10,2012,10:20AM
Iam29yearsolddoctorandresidingatArunachalPradesh.Iwanttocovermyselfandmyparentsforhealthinsurance.Asyouhavesuggestedthat
Apollomunichforthehealthinsurance,IamconfusedifIwillbeabletomakeaclaimsincewewillbeavailingthelocalhospitalsintheareaforthe
healthcare.CouldyoupleasesuggestmewhichhealthpolicyshouldIoptfor.ICICIlombard,jeevanArogya,nationalInsuranceoranyotherwhich
wouldbeavailableinthenortheastIndia?
ReplyLink

HemantBeniwalMarch16,2012,8:11AM
HiKaling,
Bestwayforyouwillreachingthefinesthospitalinyourarea&askingtheirpreference.(butremembertheirpreferencecanchangeinfuture)
ReplyLink

NishiMay28,2012,4:37PM
HeyHemant,
Whatamountofmedicalcoverwouldyousuggestforafamilyof3husband35yrs,wife32yrs,child1yr.FamilyannualincomeRs.4.5lakhs.
Pleaseadvise.
Regards,Nishi
ReplyLink

VikasJanuary1,2014,3:13PM
HiNishi,
Thereisnospecificcriteriabutyoucanevaluatethecoverageamountonthebasisofcityyouarelivinginasthecostoftreatmentinbigger
citieswillbehigher.Fore.g.inametrocityforyourfamilysizeanycoverlessthanRs5lakhmaynotbeadequate.Takeaviewofthecostof
medicaltreatmentinyourpreferredhospitalandtakeadecisionaccordingly.
ReplyLink

joyJanuary12,2013,7:59AM
iwanttoknowhowapersonhaving2mediclaimpoliciesclaimreimbursementmanually.
ReplyLink

VikasJanuary1,2014,3:49PM
HiJoy,
Youwillhavetosubmitdocumentsrelatedtothemedicaltreatmentwithboththecompanies.Oncethedocumentsaresubmittedthecompanies
willdecideontheclaimamount.Theinformationonprocedureandlistofdocumenttobesubmittedyoucangetbyinformingthe
TPA/Company.
ReplyLink

http://www.tflguide.com/2010/05/knowaboutmediclaimpolicy.html

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AllyouwanttoknowaboutMediclaimPolicy

drpawanApril6,2013,9:50AM
nobodytalksofexclusion.wheneverubuyseeforexcludedprocedureaswell.agentwillnevertellu.eventherewebsitewillnotbehavingexclusion
list
ReplyLink

s.saravananMay15,2013,6:07PM
Sir/Madam,
Iamaged48yearsandmywifeis42yearsanddaughteris18years.Iwouldliketoknowwhichpolicyisthebestforme????
ReplyLink

VikasJanuary5,2014,12:22PM
HiSaravanan,
Youcanlooktowardsafamilyfloatercoveringthreemembers.ApolloMunich,MaxBhupa,ReligareHealtharesomecompaniesyoucan
consider.Whichproductyoushouldbuywillrestonwhichonematchesyourrequirement.Youcananalyzethemandconsiderthemostviable
one.
ReplyLink

ChetanAugust28,2013,10:51AM
Thanksforthearticle!!
ReplyLink

vinayakDecember29,2013,12:06AM
hello,
IhavemediclaimfromnewIndiaassuranceforme&mywife.Mywifemeetwithaccidentwhichrequiredoperation.Oppositepartywhichcaused
thisaccidentpaidpartofmymedicalexpensesandhavetakenawrittennoteonstamppaperregardingthispayment.Nowmyquestioniswhatpartof
thismedicalexpensecaniclaim?canIclaimtheentiremedicalexpenseorthepartthatIhavepaid?
ReplyLink

VikasJanuary5,2014,12:27PM
HiVinayak,
AnyhealthinsurancewillreimburseexpensesrelatedtoHospitalizationonly.Soyoucanclaimfromtheinsurancecompanywhatyoupaidto
hospitalforyourwifetreatment.Thecompanywilllookintotheclaimwithrespecttotheirlimitations,ifany,inthepolicyandthenwill
reimbursetheamountaspertheirpolicytermsandconditions.
ReplyLink

padmaFebruary12,2014,8:57PM
siriwascoveredundergroupmediclaimofnationalinsurancecompanymorethen19years,ietill2012underfamilyfloaterschemeof4.0lacsfrom
2008.Iincreasedthisamountafter50yearsofage.willitcoverchronicdisease.Ihavealreadyclaimedunder4.0laccoverageforthesamechronic
http://www.tflguide.com/2010/05/knowaboutmediclaimpolicy.html

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AllyouwanttoknowaboutMediclaimPolicy

diseasewheniwasundercorporate.NowIhavecoveredunderindividualpoliciesof5.0lakseach
ReplyLink

narendramodiMarch5,2014,8:35AM
Iforalltimeemailedthiswebsitepostpagetoallmyassociates,asifliketoreaditafterthatmylinkswilltoo.
ReplyLink
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HemantBeniwalisPrincipalFinancialPlanneratArkFinancialPlanners.HisfirmservesIndiansacrosstheglobe.Apartfromdeveloping
FinancialPlansandguidingclientsmeettheirFinancialGoalshekeepsinterestinresearch&analysisofvariousfinancialproducts.HisArticles,Quotes&
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