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Hi, Now a days banks provide their SB account holders with group medical insurance from insurance companies. Are these good to take. will i get life long renewal? what if suddenly banks withdraws these plans? Thanks in Advance, Mahesh KV
It totally depends on the group terms and conditions. However, once they provide lifeling renewal facility, it cannot be withdrawn at a later date. So, you can go ahead and opt for the same.
Hi, I am covered under Corporate Insurance plan, I need to get MRI, and certain other tests done, Can i avail a cashless facility for this. Please note: doc has recommended admission for me.
Dear Kaushik,
It toally depends on the terms and conditions of your plan. Investigation may be covered for your plan or not. You need to check with the HR of your company for cashless hospitalization. But there is no reason for
Respected Sir / Madam My wife has delivered a baby on 25th January 2013. Her membership No. under Medicare Group Medical Plan is 19800003331B & Policy date is 04 December 2012. Can you please suggest the procedure/forms require to logde a mediclaim. Company - thermax engineering const co ltd...
Dear Mahesh,
You need to for a for a claim at your employer along with the reimbursement form and all original receipts. After approval from your employer, the same needs to be forwarded to the TPA for settlement within 60 days of discharge from hospital. This is the generic rule. However, you may... Read More>>
I want to change my Group mediclaim policy into a retail health policy. can I awail the same benefits of GMC in retail policy
Dear Ishu,
Group Insurance Coverage is like umbrella coverage. It is a contract between the Group of Employess like an organization or an association which has a group of people under it and the Insurer. Thus, once there is a contract between the insurer and the group, it is for all members currently... Read More>>
we have health insurance covered from office but in private companies we are not sure till when we will carry with same company. Is there any way to transfer the benefit to other company policy or convert the existing corporate policy do individual policy. Otherwise maintaining a separate policy is...
Dear Suvro,Group Insurance Coverage is like umbrella coverage. It is a contract between the Group of Employess like an organization or an association which has a group of people under it and the Insurer. Thus, once there is a contract between the insurer and the group, it is for all members... Read More>>
Want to know about group insurance policy. What are the various group schemes available for NRIs from kerala working in Oman. Can we also include their families.Policy should be able to cover medical expenses in india and cover people who fall sick when on a holiday in india as well as those who go...
Group Plans are usually customized according to requirement and they can have loads of additional features if the size of the plan is quite big. Hence you would have to check with your insurance company whether these clauses can be added or not. These clauses are surely possible but still you need... Read More>>
Hi, I have an employee health insurance policy (TPA - Medi Assist) and a individual health insurance policy with Cholamandalam. My parents are covered in both policies. I filed a claim for my mother's treatment under employee health insurance policy and the claim was settled with a co-pay...
No. Please do not submit any claim request for an amount which has to be borne under the copayment arrangement.
i have bajaj allianz SARVE SHAKTI SURAKSHA policy & i have to give Premium : 3000 from nov'11& Premium Paying Term : 10 Years . Is it better to continue or I have to discontinue it. If I continued to pay, How much I will get after 10 yrs. Please help me...........
Bajaj Allianz Sarve Shakti Suraksha Plan is a group life insurance policy which offers benefits on death and maturity. Usually the premiums under group plans are lower than the policy you take directly from the insurance company in your individual name. You can continue the group policy if the... Read More>>
I am working for a company and the company has covered an Medi Assist Health Insurance for me with the half the premium amout being paid by myself. I am quitting my job in another week.Could you please let me know if I can continue with the same Insurance,if I pay the rest of the premium amount by...
Dear Seema,As you have mentioned that you are having a policy with Medi Assist Health Insurance, they would be the Third Party Administrator and not the Insurer. There are only liasioning betwen your company and the insurance company.Usually group policies cannot be continued even if it is in Co-Pay... Read More>>
I am corporate employee and have health insurance policy for last 4 yrs (with company and include my parents). If i will left company, is it possible to continue that plan with insurance company or can avail benefit of pre existance dease.
If you have a Health Insurance Policy from your company then the contract is between your Insurer and your Company only as long as you are employed in that organization and not beyond. If you need coverage beyond your employement, then you need to purchase a fresh health insurance plan for yourself... Read More>>
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