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How To Go For The Best Mediclaim Policy?

by Kirti Saxena Kirti Saxena is a web enthusiast and a writer
The high cost of living, lay-off/firing fears in jobs and high stakes in earning livelihood all have made the life so miserable that one finds it difficult to make both ends meet. So one has to lay something for the rainy days. But inflation every now and then annulling the resources and other expenses like children’s educational and various other diverse needs growing like mushroom, how to save a bit to cope up with future’s uncertain exigencies is a billion dollar question!  There seems to be only one remedy here and that is to go in for Health Insurance India.  Health is wealth and Healthcare is one area which every one cannot do without.  The exorbitant cost of medication and ever-rising expenditure on ailments take away most of your income part. And God forbid in case there is a major health problem, it is beyond general people capacity to meet the expenses.  So it is always sane to go on paying by way of periodical affordable amounts as premiums and overcome the medical emergency at the time of the particular event, without losing our peace of mind. Now the question arises as to which health insurance policy to choose. Undeniably the choice is a Mediclaim policy.

BEST MEDICLAIM POLICY
Mediclaim India is the best medical insurance option nowadays. Mediclaim policy offers all types of insurance policies – plans to cover individuals, couples, families, including dependent parents and children,  and even extended families. Corporate world also prefers mediclaim policies for their staff to offer incentives to them for healthcare. Mediclaim India offers customized health insurance covers commensurate with the requirements of the individual companies. 

The question does arise which best mediclaim policy to choose!  In the most competitive insurance industry of today, it may just not be possible to single out any one as ‘best mediclaim policy’.  Yes, we may analyse the characteristics and products needed in a mediclaim policy to choose the ingredients best suited to your requirements and finances. The following will be useful in this connection.

CHARACTERISTICS OF MEDICLAIM POLICY
Mediclaim policy should have a provision that you can afford and  what you need, with wide range of facilities offered as per your specifications with long-term benefits.  As on date, several plans are available like single plans for individuals, couples and small families, dependent parents and children  covering pre and post-hospitalization, medication costs, expenses towards whole day procedures, ambulance costs, emergency  and hospitalization expenses. Out of innumerable insurance companies offering lucrative Mediclaim policies, some excel in offering some characteristic facilities and some in other.  You have to choose the suitable ones from various companies’ offerings and make a list of which fulfill your needs and requirements.   The shortlisted one, which may seem to be customized to your desire, can be taken as the BEST MEDICLAIM POLICY for you.

Given hereunder are certain characteristics forming part of mediclaim policies which you may need to ensure before opting for a Medical policy:
 1. Cashless facilities in good hospitals of your liking
2. Claims settlement records of insurance company
3. Market share 
4. Premium amount
5. Maternity Benefits (some companies offer)
6. Critical illness cover: It protects you vis-à-vis the risk of almost all severe ailments, viz.stroke,  cancer, heart attack, brain hemorrhage, burns, etc.

LIST OF REPUTED COMPANIES
In India, the following two health insurance companies are treated as stand alone:
1. Star Health; and
2. Appolo DKv

For more information visit:Best Mediclaim Policy and Health Insurance India

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About Kirti Saxena Advanced   Kirti Saxena is a web enthusiast and a writer

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Joined APSense since, September 4th, 2012, From England, United Kingdom.

Created on Dec 31st 1969 18:00. Viewed 0 times.

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