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Old 18th January 2011, 10:33   #166
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Default re: Health insurance queries? Ask me!

i have a medical insurance, provided by employers, to cover hospitalization.
In general, wants to know upto what time the claim can be submitted , after one gets hospitalized without notifying the insurance people ie unplanned hospitalization.
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Old 18th January 2011, 10:44   #167
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i have a medical insurance, provided by employers, to cover hospitalization.
In general, wants to know upto what time the claim can be submitted , after one gets hospitalized without notifying the insurance people ie unplanned hospitalization.
If the Medical Insurance is done by your employer then it would be their responsibility to notify the Insurance co and deal with them to settle the claims. All you have to do is notify your employer.
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Old 18th January 2011, 12:10   #168
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i have a medical insurance, provided by employers, to cover hospitalization.
In general, wants to know upto what time the claim can be submitted , after one gets hospitalized without notifying the insurance people ie unplanned hospitalization.
For unplanned hospitalization, time limit is usually 24 hours. In that case:

1. Hospital would ask for a deposit at time of admission(In Mumbai its 1.5 lakh for Lilavati/Jaslok etc for normal surgeries, it could be higher depending on "Grade" as decided by Surgeon).
2. Hospital would sent auth request to TPA, when (and IF) TPS sends approval, Hospital will refund the deposit amount minus 5 to 15k.
3. After 2 - 3 months, TPA would pay money to hospital. And hospital will refund the amount it has kept with it. It will deduct things that TPA has not approved like toiletries for patient and alike.

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If the Medical Insurance is done by your employer then it would be their responsibility to notify the Insurance co and deal with them to settle the claims. All you have to do is notify your employer.
This applies only in case of Govt/PSU. For most new-economy companies you have to work directly with TPA ot Insurance companies.
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Old 18th January 2011, 13:23   #169
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Default re: Health insurance queries? Ask me!

Anyone else whose insurance cost has gone through the roof?

Last year, I paid Rs 4438/- for insuring me and my wife (their gold plan, 5L limit etc). The renewal alert asks for Rs 17495/-

Anyone else whose been through the process?
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Old 18th January 2011, 13:55   #170
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Anyone else whose insurance cost has gone through the roof?

Last year, I paid Rs 4438/- for insuring me and my wife (their gold plan, 5L limit etc). The renewal alert asks for Rs 17495/-

Anyone else whose been through the process?
No. I renew my policy with UI every October. There is an incremental increase almost every time, but I did not notice any big jump.
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Old 18th January 2011, 14:06   #171
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Originally Posted by chetans View Post
i have a medical insurance, provided by employers, to cover hospitalization.
In general, wants to know upto what time the claim can be submitted , after one gets hospitalized without notifying the insurance people ie unplanned hospitalization.
You have to submit the claim within 7 days of discharge. After hospitalization also you can get a cashless approval within 24 hours.
Online Insurance Quotes in India: Health Insurance Claims to get time-bound

Quote:
Originally Posted by phamilyman View Post
Anyone else whose insurance cost has gone through the roof?

Last year, I paid Rs 4438/- for insuring me and my wife (their gold plan, 5L limit etc). The renewal alert asks for Rs 17495/-

Anyone else whose been through the process?
Please let us know the name of the insurer.
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Old 18th January 2011, 14:50   #172
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Originally Posted by phamilyman View Post
Anyone else whose insurance cost has gone through the roof?

Last year, I paid Rs 4438/- for insuring me and my wife (their gold plan, 5L limit etc). The renewal alert asks for Rs 17495/-

Anyone else whose been through the process?
May be the age slab must have changed. The Insurance co normally have different Insurance rates as per age slabs. You must have moved one slab up. But in your case the jump is almost 4 fold, something fishy. Just check with the Insurers for the hefty rise.

I heard one of my colleague complaining about the same, he had insurance from Reliance. He now has opted for a different insurer.
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Old 18th February 2011, 08:08   #173
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Hi All,

Any suggestions on the health insurance plans for parents (Age 60 and 56). I would need one where preexisting diseases are covered (Cardiac related) and a cover of around 4L.
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Old 18th February 2011, 08:21   #174
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Hi All,

Any suggestions on the health insurance plans for parents (Age 60 and 56). I would need one where preexisting diseases are covered (Cardiac related) and a cover of around 4L.
AFAIK the pre existing diseases are covered after two years oftaking policy but there are some Insurers who cover the pre-existing with a higher premiums. You need to talk to them directly. Pls find below the list of Insurers who provide the Senior citizen mediclaim. Hope this helps.

http://www.healthinsuranceindia.org/..._citizens.html
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Old 18th February 2011, 09:04   #175
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Thanks a lot for the link.
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Old 16th March 2011, 12:33   #176
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I am planning to take a Medical Insurance for my self + spouse + kid for
1) IT purposes
2) Long pending action.

I had a look a couple of Insurers providing health insurance and found Apollo Munich to be an intesresting options for reasons:
1) Lifelong renewal
2) No Medicals till 45 yrs
3) Branch office in my city
4) Good network of hospitals
5) Cashless scheme
6) 10% Cumulative bonus for claim free year.

This was refered to me by a colleague at office. Would like to know if any BHPians has opted for the Easy health - Exclusive scheme from Apollo Munich and how has the experience been. Premium for a 3 lakh cover is about 8K.
Hi ghodlur,

I have been looking to get health insurance and found Apollo Munich to be quite attractive from the comparison matrix below

Family Floater Health Insurance Comparative rate chart with Various Parameter - Reliance General, Star Health, Apollo DKV, National Insurance, ICICI Lombard, Cholamandalam, HDFC

Wanted to know if you went ahead with Apollo and how has been your experience
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Old 16th March 2011, 13:30   #177
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Hi ghodlur,
Wanted to know if you went ahead with Apollo and how has been your experience
@Perfhuman,

I have indeed taken the Medical Insurance from Apollo Munich - Family floater Easy Health exclusive plan. The premium for SA of 3L costed 8.18K. The best part is I can go for a critical illness cover next year without any medicals.

The Insurance co has tie ups with major hospitals in Thane. The experience has been pretty good. Had taken the insurance through Apollo Munich Thane branch, the Marketing Manager himself collected the application forms and other formalities.

Last edited by ghodlur : 16th March 2011 at 13:32.
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Old 16th March 2011, 14:54   #178
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@Perfhuman,
I have indeed taken the Medical Insurance from Apollo Munich - Family floater Easy Health exclusive plan. The premium for SA of 3L costed 8.18K. The best part is I can go for a critical illness cover next year without any medicals.
Hey Ghodlur,Perfhuman
I have also taken the same Apollo Munich-FF EH exclusive plan for 5lakhs sum assured. The premium for me was Rs. 8844/- I took it online though.
I had ICICI lombard family floater policy 3 yrs back and I so regret discontinuing it. Now this time ,I'll keep the policy forever.
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Old 16th March 2011, 15:14   #179
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Hey Ghodlur,Perfhuman
I have also taken the same Apollo Munich-FF EH exclusive plan for 5lakhs sum assured. The premium for me was Rs. 8844/- I took it online though.
I had ICICI lombard family floater policy 3 yrs back and I so regret discontinuing it. Now this time ,I'll keep the policy forever.
Have you opted for critical illness cover too? if so for what SA? Please let us know.
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Old 16th March 2011, 18:56   #180
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The Insurance co has tie ups with major hospitals in Thane. The experience has been pretty good.
How did they do in terms of claim settlement? Was that process smooth?
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