Categories
Health Insurance

What is no claim bonus in health insurance?

What is No Claim Bonus?

What is No Claim Bonus in health insurance?

You must have heard about the term ‘no claim bonus’ by your insurance agent. But what is a no-claim bonus (NCB)? This article will help you in understanding the concept of a no-claim bonus with respect to health insurance. Also, to solidify this concept, this article will drive home the concept of NCB with illustrations and examples. Let us begin.

  • What is NCB in health insurance?
  • Example of NCB
  • Companies providing maximum NCB

What is NCB in health insurance?

No claim bonus (NCB) is a bonus coverage provided to the insured if the insured does not raise a claim within a stipulated amount of time. It is a reward provided to the policyholder for not raising a claim. The insurance company will provide a predetermined additional coverage to the insured as a bonus for keeping their health in check and thereby not making a claim.

Example of NCB

Let us understand the concept of NCB with a simple example. Let us assume Mr. Mangesh purchased a health insurance policy with Bajaj Allianz Health Insurance. His policy provides him with coverage of Rs 10 Lakhs along with an NCB clause. According to this clause, if Mr. Mangesh does not make a claim, each year he will get additional coverage of 10% on his basic sum assured (i.e Rs.10 Lakhs) up to a total of 50%.

YearsNo Claim Bonus (NCB)Total Coverage
11 Lakh11 Lakhs
21 Lakh12 Lakhs
31 Lakh13 Lakhs
41 Lakh14 Lakhs
51 Lakh15 Lakhs

At the end of the first claim-free year, Mr. Mangesh’s total coverage will increase from Rs 10 Lakhs to Rs 11 Lakhs. In the second year, it will increase to Rs 12 Lakhs. This increment will only last till his coverage reaches Rs 15 Lakhs. In the interim, if he makes a claim, his next year’s coverage will again roll back to the initial sum assured (Rs 10 Lakhs).

Companies providing maximum NCB

Health Insurance CompaniesNo Claim Bonus (NCB)
Manipal CignaUp to 200%
Apollo MunichUp to 100%
Max BupaUp to100%
Aditya BirlaUp to 100%
Care Health InsuranceUp to 100%
HDFC ERGOUp to 50%

 

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Categories
Aditya Birla Health Insurance

Aditya Birla Health Insurance Customer Care

Aditya Birla Health Insurance Customer Care

Are you looking to contact an Aditya Birla Health Insurance executive? look no further. Mentioned within are all necessary customer care details of the company’s support team.

You may reach out to them via the below mentioned contact details and raise your issue or query with them.

Contact Information

ParticularsContact Details
Contact Number 1800 270 7000
Email IDcare.healthinsurance@adityabirlacapital.com
Email ID for senior citizensseniorcitizen.healthinsurance@adityabirlacapital.com
Official Websitehttps://www.adityabirlacapital.com/healthinsurance/

 

If your grievance is not addressed properly or you are not satisfied with their support, you can contact their senior support executives below:

Customer Care Head: carehead.healthinsurance@adityabirlacapital.com

Grievance Redressal Officer:  gro.healthinsurance@adityabirlacapital.com

 

If you are still not satisfied with their resolution you can contact the Insurance Regulatory and Development Authority of India (IRDA)

Toll Free Number: 155255 (or) 1800 4254 732

Email Id: complaints@irdai.gov.in.

 

You can also reach out to your nearest insurance ombudsman office for redressal. Locate your nearest ombudsman office here:  http://ecoi.co.in/ombudsman.html

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Categories
Aditya Birla Health Insurance

Aditya Birla Health Insurance Renewal

Aditya Birla Health Insurance Renewal

One needs to pay their health insurance premiums on time to experience the continuous benefits of their health plan. Premiums not paid on time can lead your health plan to lapse. Below mentioned are simple and easy to follow steps to renew your Aditya Birla insurance policy. 

Online Procedure

Step 1: Go to the official website of Aditya Birla health insurance and click on the ‘’Renew” button on the top right-hand side, then click on “Quick Renew”.

Step 2: Enter valid details such as your policy number, mobile number, and date of birth.

Step 3: You are then required to pay your premium online via debit/credit card or other various modes of payments provided.

Step 4: After making the payment you will receive a confirmation mail on your email ID along with a premium payment receipt.

Offline Procedure

You can also renew your policy by directly visiting the nearest Aditya Birla Health Insurance Branch, or by connecting with their customer care team at 1800-270-7000.

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Categories
Health Insurance

Aditya Birla Health Insurance

Aditya Birla Health Insurance

Aditya Birla Health Insurance company Ltd is a joint venture between Aditya Birla Group and South African corporation, MMI Holdings Ltd. Aditya Birla Health Insurance has a Pan India presence with 8000+ network hospitals. The company has insured over 20 lakh individuals and has a robust claim settlement ratio of 92%.

The company has a solid presence in over 650+ cities and provides health insurance services ranging from comprehensive health plans, senior citizen plans, accidental health plans, cancer secure plans, and more.

Along with their extensive range of health plans, the company also offers wellness and chronic care management services that assist with chronic illnesses like diabetes, hypertension, asthma, etc. Aditya Birla also provides a ‘Doctor on-call’ facility in some of their health plans. The company also offers multiple optional covers such as cancer cover, critical illness cover, personal accident cover, hospital cash benefit, etc.

Important facts

ParticularsStatus
Network Hospitals8,000+
Claim settlement ratio92%
Websitewww.adityabirlacapital.com
Optional Rider CoversAvailable

Types of plans offered by Aditya Birla Health Insurance

Plan NamesAbout The Plan
Health Platinum EnhancedThis plan offers comprehensive coverage to you and your loved ones.
Platinum- EssentialThis plan offers all-inclusive coverage to you and your loved ones. It Provides unique features such as chronic care management & wellness benefits.
Active Assure- DiamondThe plan offers extensive health coverage that covers hospitalization expenses, multiple daycare treatments, and so on.
Active Health- Platinum PremierThe plan offers exhaustive health coverage with many added benefits and additional features.
Active Secure- Critical Secure PlanThis plan insures you against 64 critical illnesses. The policyholder receives a lump sum payment when diagnosed with any of the listed illnesses in the policy.
Corona KavachThe plan offers coverage against all medical expenses incurred due to Covid-19
Group Activ PlanThis plan covers members of a group working together in a company or organization. It covers all major hospitalization expenses.
Active Cancer Secure PlanActiv Cancer Secure Plan offers protection against cancer-related medical treatments and hospitalization.
Active Care- Senior CitizenThis plan is ideal for senior citizens. The plan looks after their basic and essential healthcare-related treatments.
Global Health SecureThis plan offers cashless treatment when you travel abroad.

Benefits of Aditya Birla Health Insurance

Network Hospitals: Aditya Birla Health insurance has more than 8000+ network hospitals, which gives you a vast range of hospitals to choose from. You can avail of cashless treatment in these hospitals without worrying to pay the hospital bill from your pocket.

High Sum insured: The company provides you with a wide sum insured ranging from Rs 10 lakh to up to Rs 2 crores.

Cover Restoration: Multiple plans offered by the company come with cover restoration benefits. This automatically replenishes your coverage up to the sum insured.

Additional Benefits: Aditya Birla Health Insurance offers plans with additional unique benefits such as wellness coach and health return awards. The company also provides specialized chronic care management programs for severe illnesses.

Recovery Benefit: Many plans offered also come with a unique recovery benefit feature that will assist you during your recuperating period.

Tax Benefit:  You can claim a tax deduction on premiums paid under Section 80D of the Income Tax Act.

Cumulative Bonus: Certain plans provide the benefit of a cumulative bonus that increases your sum insured as a reward for claim-free years.

How to buy an Aditya Birla Health Insurance policy?

You can easily buy a health plan with us on InsuranceLiya.com.

Step 1: Simply furnish us with your name, email, and mobile number.

Step 2: We will call you shortly and assist you with a suitable plan for you or your family.

Inclusions

  • Inpatient hospitalization
  • Domiciliary hospitalization
  • Emergency ambulance
  • Maternity benefits
  • Hospital cash allowance
  • Organ donor expenses
  • Pre and post-hospitalization
  • Ayush Treatment
  • Modern treatments
  • Dental consultations

Exclusions

  • Pre-existing conditions until the waiting period
  • Cosmetic and plastic surgeries
  • Rehabilitation cost
  • Stem cell therapy
  • Alcohol and drug-related injury
  • Experimental treatment or procedures
  • Any non-allopathic treatment
  • Birth defects, genetic disorders, congenital disorders
  • Sexually transmitted diseases
  • Change of gender procedure
  • AIDS or HIV related treatments
  • Dietary supplements
  • Weight loss or obesity-related treatments

Aditya Birla Health Insurance claim process

Cashless Claims

You will have to file for a cashless claim if you are admitted to any of the network hospitals of the insurer. Follow these simple steps to file for a cashless claim with Aditya Birla Health Insurance.

Step 1: Inform the company 72 hours in advance in case of a planned hospitalization or within 24 hours in case of emergency hospitalization.
Step 2: Provide all required documents to the TPA section of the hospital.
Step 3: The insurance company will verify your claim with the terms and conditions of your policy.
Step 4: After investigation, the company will approve your claim and will directly settle the bill with the hospital.

Note- In case of the rejection of the claim, the company shall intimate the policyholder in writing stating the reason for rejection.

Reimbursement claim

You will have to file for reimbursement if you get admitted to a non-network hospital of the company. In a reimbursement claim, you will have to initially pay the hospital bill from your pocket and can then file for a refund from the insurer.

Step 1: Inform the company 72 hours in advance of a planned hospitalization or within 24 hours in case of emergency hospitalization.

Step 2: After discharge, submit all the required documents to the company so the company can initiate the claim process.

Step 3: The insurance company will then evaluate the claim’s authenticity.

Step 4: Once all the supporting documents relating to the claim are proved authentic, the claim shall be accepted and the amount shall be reimbursed to the policyholder.

List of Documents needed for the claim process

  1.  Duly filled claim request form
  2. Original discharge summary
  3. All original bills and receipts, prescriptions
  4. Original reports, scans,X-rays, CT scans
  5. FIR (if applicable)
  6. Death certificate (if applicable)

Frequently asked questions about Aditya Birla Health Insurance

  • What is a health insurance policy?

    A health insurance policy is a contract between an insurance company and a policyholder. The insurance company provides indemnification (financial protection) to the policyholder for a fee called as a premium.

  • Does Aditya Birla provide critical illness coverage?

    Yes, the company provides critical illness coverage under their comprehensive plan.

  • Can I get a tax deduction if I buy a policy from Aditya Birla?

    Yes, you will get a tax deduction under Section 80D of The Indian I.T Act.

  • Can a smoker buy an Aditya Birla Health Insurance plan?

    Yes, a smoker can buy health cover from Aditya Birla. The premium will be slightly on the higher side.

  • How many critical illnesses are covered under Aditya Birla?

    64 critical illnesses.

  • Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    Star Health Insurance

    Star Health Insurance

    Star Health & Allied Insurance Company was founded in 2006. It has over 10000+ employees and a presence in over 550 cities in India. The company has a vast network of 9000+ hospitals all across the nation and has settled over 49 lakh claims.

    Star health insurance has also won numerous awards for its performance within the insurance industry. Some of the notable honors include ‘Best Insurance Provider’ by Outlook Money Awards 2017 and Health Insurance ‘Company of the year 2017’ by Finteleket Insurance Awards.

    Star Health offers a plethora of health insurance plans ranging from senior citizen’s plans, health plans for autistic children, critical illness plans, COVID care packages, and much more. The insurer strives to offer the best health packages, providing its customer’s top-quality medical treatments at a budget-friendly premium.

    Company highlights

    ParticularsDate
    Network Hospitals9,900+
    Claim settlement Ratio90% (2019-2020)
    Branches600+
    websitewww.starhealth.in
    contactToll free number- 1800 425 2255 / 1800 102 4477

     

    Star Health Insurance Plans

    Plan NameAbout The Plan
    Star Comprehensive Insurance plansThis is a health policy that offers comprehensive cover to an individual. It insures against major hospitalization expenses at an affordable premium.
    Senior Citizen Red Carpet PlanIt is a health insurance plan that is designed to cover senior citizens, the plan covers the cost of their medical and healthcare-related treatments.
    Star Super Surplus Insurance PlanStar Super Surplus is a top-up health plan that provides supplementary coverage to the insured when they run out of the existing cover provided by their base policy. The plan is available in 2 types of variants- Silver and Gold plan
    Star Health Family Optima PlanThis is a family floater health plan that covers the hospitalization expenses of your entire family under a single policy. You can cover yourself, your spouse, dependent children, and your parents.
    Star Mediclassic Insurance PolicyThis plan offers standard health cover that takes care of all major health-related expenses. USP of this plan is that it restores your coverage up to 200% of the sum insured if exhausted due to previous claims.
    Star Gain Insurance PolicyThis is a complete health plan that covers the cost of hospitalization due to any illness, sickness, or accident. This plan can be purchased on an individual or family floater basis.
    Star Diabetes Safe Insurance policyTrue to its name, this policy is designed to cover individuals who are suffering from diabetes. It protects the cost of medical expenses incurred in the treatment of diabetes and its complications. This plan is available in 2 types: Plan A and Plan B.
    Star Cardiac Care PolicyThis policy is created to protect against cardiac-related ailments and complications. It is an ideal plan for individuals suffering from cardiac-related health conditions. The plan is available in two types Silver Cardiac Policy and Gold Cardiac Policy.
    Star Cancer Care Gold PolicyThis plan is designed to financially protect individuals who are suffering from cancer. The plan covers the cost of cancer treatments.
    Star Care Micro Health Insurance policyThis plan is crafted for individuals belonging to the rural and urban sections of the nation. The plan provides standard health coverage at an affordable premium..
    Star Criticare Plus Insurance PolicyStar’s Criticare Plus protects the policyholder against a listed set of critical illnesses and conditions specified under the policy.
    Star Family Delite Insurance PolicyAs the name suggests, this is a family floater health plan that secures you and your loved ones from hospitalization expenses under a single plan.
    Star Special Care Health Insurance PlanThis is a unique plan that is designed to cater to the medical needs of children suffering from autism. It also pays for treatments like physiotherapy, behavioural, occupational and speech therapy.
    Star Hospital Cash Health Insurance PolicyThis is a cash benefit plan which provides daily cash allowance during the hospital stay. It is an ideal plan that will assist you to pay for miscellaneous expenses that are not covered in a general health plan. 2 kinds of plans available – Basic and Enhanced plan.
    Star Outpatient Care Insurance PolicyThis plan is specifically designed to cover outpatient treatments like OPD consultations, diagnostics tests, and so on. It can be purchased as an add-on to boost the benefits of your base plan. There are 3 variants of these plans available – Silver, Gold, and Platinum Plan.
    Star Young Star Insurance PolicyStar Young Star health offers extensive health coverage to persons below or up to 40 years of age. It also offers multiple other benefits like 100% sum restoration and a cumulative bonus.
    Star Novel Coronavirus (COVID-Insurance policy)This is a cash benefit plan that pays the insured lump sum amount in the event of the first positive diagnosis of COVID-19. There are two variants of plans available Silver and Gold Plan.
    Arogya Sanjeevani Health insurance policyThis is a standard health policy that protects against hospitalization expenses due to any illness or injury. Wide range of sum insured options available at an affordable premium.
    Star Corona Rakshak PolicyThis plan offers a lump sum benefit to the policyholder after the first positive diagnosis of covid-19.
    Star Health Corona Kavach PolicyThis plan is specially designed to cover hospitalization expenses incurred in the treatment of COVID-19 only.

    Awards won by Star Health insurance

    • Best Health Insurance Provider of the year by Business Today
    • Best Health Insurer – Outlook Money Awards 2016
    • CII Industrial Innovation Awards 2016 for Top 25 Most Innovative Company
    • W.H.O Award of Excellence 2017 from the former Honorable President of India, Shri Pranab Mukherjee.
    • Best Health Insurer – Outlook Money Awards 2016
    • Claims Service Company of the Year 2014

    Why choose Star Health Insurance?

    Network hospitals

    Star Health Insurance has a wide range of 10,000+ network hospitals all across the nation, enabling you to experience the best medical treatments without worrying to pay the hospital bill from your pocket.

    In house claim settlement

    There is no third-party administrator involved in settling claims.
    Star Health Insurance has a direct in-house claim settlement team resulting in a quicker claim process.

    24/7 claim support

    The company provides 24/7 assistance where its employees offer quality support when it comes to solving customer queries. Star Health Insurance is known to bring in quick resolutions in matters about claims, renewals, and other insurance-related grievances.

    Solvency ratio

    Star Health insurance has an ideal solvency ratio of 1.69, signifying that the insurer is financially sound and is capable to meet its long-term obligations.

    Value coverage

    Health plans offered by Star Health Insurance provide comprehensive coverage, protecting you and your loved ones from all healthcare-related contingencies.

    Lifetime Renewability

    Health plans offered by the company come with a lifetime renewal option. This means that you can renew your health plan without any restrictions or bar on the age limit, provided you pay your premium on time.

    Benefits of health insurance plans by Star Health Insurance

    Cumulative bonus

    Multiple health plans offered by Star Health Insurance come with the benefit of a cumulative bonus, which increases your sum insured as a reward during your claim-free years.

    Automatic sum restoration

    Receive the benefit of automatic sum restoration that reinstates your coverage when you exhaust your sum insured due to previous claims. This benefit provides you a sigh of relief during serious medical situations as it provides you additional medical coverage during difficult times.

    Value-added benefit

    Avail advantage of multiple value-added benefits like wellness coaching, weight management services, nutritionist, dietician, and so on.

    Riders

    Multiple optional covers such as Hospi-cash, outpatient care cover, and several others are available that can boost your health plan by paying a little extra.

    Maternity coverage

    Many health plans offered by the company also provides maternity coverage. Any maternity-related hospitalization expenses will be covered by the company.

    How to file a claim with Star Health Insurance plans?

    Cashless claim

    You can file for cashless claim if you are admitted to a network hospital of the company.

    Follow the simple steps laid down by us to file for the cashless claim.

    Step 1 – Inform the company in advance in case of a planned hospitalization and within 24 hours in case of emergency hospitalization. You can inform the company by calling them on
    1800 425 2255 / 1800 102 4477 or writing them at support@starhealth.in.

    Step 2 – Visit the insurance/TPA desk at the hospital and show them your Star Health ID card for identification.

    Step 3 – Duly fill and sign the pre-authorization request form and submit it at the insurance desk in the hospital. You can download the form easily from the official website of the company.

    Step 4 – Star Health Insurance will verify your claim along with the terms and conditions of your policy. The company may also assign their in-house doctor who shall visit you in the hospital.

    Step 5 – Upon verification, the company will approve your claim, and directly settle your bill with the hospital, before your discharge.

    Reimbursement claim

    You will have to file for reimbursement claim when you get admitted to a non-network hospital of the company or when your cashless claim has been rejected.
    In a reimbursement claim, you will have to initially pay the hospital bill from your pocket and then can file for a refund from the company.

    Follow these simple steps to file for reimbursement claim with Star Health Insurance

    Step 1 – Inform the company in advance in case of a planned hospitalization or within 24 hours in case of emergency hospitalization.
    You can inform them by calling on 1800 425 2255 / 1800 102 4477 or writing to them at support@starhealth.in.

    Step 2 – After discharge, collect all supporting documents and submit them to the insurance company to initiate the refund.

    Step 3 –  The company will verify the claim along with the terms and benefits of your policy and will approve of the same.

    Step 4 – Once the claim is approved, you will directly receive the refund in your registered bank account.

    Documents required to file a claim

    • Original discharge summary
    • Pre- request form
    • Original bills, receipts, prescriptions
    • Original reports, scans, MRI, CT Scan, other reports
    • FIR (if applicable)

    Star Health Insurance renewal

    It is important to renew your health policy on time to enjoy the continuous benefits provided under your plan. Follow these simple steps to renew your Star Health Insurance policy.

    Online renewal

    Step 1 – Go to the official website of the company i.e. www. star health. in
    Step 2 – Click on the “Renewals” section above.
    Step 3 – Fill in the requested information like existing policy number and date of birth, then click on “Renew now”.
    Step 4– Verify the policy details and the premium amount. Cross-check the other information like a cumulative bonus (if any) before paying the premium.
    Step 5– Pay the amount online via any of the available modes of payment.
    Step 6 – Your policy will be instantly renewed. You will receive a confirmatory email with a premium payment receipt on your registered email id.

    Offline renewal

    You can directly visit the nearest branch of Star Health Insurance and state your policy renewal request. You can also connect with the company’s customer support team on Toll-free number- 1800 425 2255 / 1800 102 4477 and state your request for the same.

    Star Health Insurance premium calculator

    The premium of your health insurance policies will highly depend on the factors given below.
    • Age
    • Medical History
    • Members insured
    • Lifestyle & habits
    • Type of coverage
    • Sum insured

    Star Health Insurance coverage

    Inclusions

    Below provided are a few general inclusions in Star Health Insurance Plans. These inclusions may vary from policy to policy.
    • Inpatient hospitalization
    • Surgeon, medical practitioner’s fees
    • Room rent, ICU, nursing expenses
    • Cost of medicines and drugs
    • Emergency ambulance
    • Air ambulance
    • Pre and post hospitalization
    • Coverage for modern treatments
    • Daycare procedures
    • Organ donor expenses
    • In-patient AYUSH treatment

    Exclusions

    Below provided are a few general exclusions in Star Health Insurance Plans. These exclusions may vary from policy to policy.

    • Gender change procedures
    • Cosmetic and plastic surgery
    • Unproven treatments
    • Intentional self-injury
    • Any illness due to the use of intoxicating substances
    • Weight control and obesity treatments

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    Bajaj Allianz

    Bajaj Allianz Health Insurance


    Bajaj Allianz is a joint venture between Bajaj Finserv Limited and Allianz SE, German financial services company.
    The company has a wide range of 6500+ network hospitals and a robust claim settlement ratio of 98%. Bajaj Allianz has an established prominent name in the Indian insurance sector over the years.

    It offers a wide range of healthcare products ranging from women-specific health plans, critical care plans to accidental plans.

    Bajaj Allianz is the first company in India to introduce the system of cashless facilities. The company strives to offer lucrative plans to its customers at an affordable price.

    In this article, we will discuss the following:

    • Bajaj Allianz Health Insurance Plans
    • Why choose Bajaj Allianz Health Insurance?
    • Benefits of Bajaj Allianz Health Insurance
    • Awards Received
    • How to buy a Bajaj Allianz Plan?
    • Bajaj Allianz Health Insurance Renewal
    • Bajaj Allianz Health Insurance Claim Process

    Important Facts

    Network hospitals

     6400+

     Renewability

    Lifelong

    Claim settlement ratio

    98%

    Official website

    www.bajajallianz.com

    Email ID

    bagichelp@bajajallianz.co.in

    Customer care

    1800-103-5858, 75072 45858

    Bajaj Allianz Health Insurance Plans

    Plan nameAbout the plan
    Bajaj Allianz Health Guard Individual PolicyThis is an individual healthcare policy that looks after the medical expenses of the insured. It is available in three different variants Silver, Gold, and Platinum.
    Bajaj Health Guard Family Floater PolicyThis is a family floater policy where you can cover all the members of your family in a single policy. You can choose to cover yourself, your spouse, dependant children, and your parents.
    Bajaj Allianz Critical Illness Health Insurance PlanThis plan is specially designed to protect against 10 major life-threatening illnesses and conditions such as cancer, heart attack, stroke, etc.
    Bajaj Allianz Critical Illness For Women PlanThis plan is designed for women, to protect against 8 types of specific critical conditions such as vaginal cancer, breast cancer, ovarian cancer, etc.
    Bajaj Allianz Silver Health Plan for Senior CitizensAs the name suggests, this plan covers the basic and essential healthcare-related expenses of senior citizens. It covers individuals up to the age of 70 years.
    Bajaj Allianz Health Infinity PlanThis health policy has no sum insured limit. It is an ideal plan that will provide more than sufficient coverage to meet all your medical requirements.
    Bajaj Allianz Extra Care Plus PolicyIt is a top-up policy, which will come into force once the policyholder exhausts the sum insured limit of their initial base policy.
    Bajaj Allianz Premium Personal Guard PolicyThis policy is designed to protect you and your family members against all hospitalization expenses incurred due to an accident.
    Bajaj Allianz MCare Health InsuranceThis plan is crafted to protect the policyholder against 7 deadly vector-borne diseases like malaria, dengue fever, chikungunya, and so on.
    Bajaj Allianz Arogya Sanjeevani PolicyIt is a standard healthcare policy that is designed to cover the hospitalization expenses arising out of any illness, sickness, or injury. Sum insured options available up to Rs 5 Lakh.
    Bajaj Allianz Health Care Supreme PlanThis plan offers comprehensive coverage against hospitalization expenses. It is available on an individual or family floater basis.
    Bajaj Allianz Star Package PlanThis is a family floater plan that covers you and your loved ones against all medical emergencies.
    Bajaja Allianz Health Ensure PlanThis plan is designed to cover a broad spectrum of medical contingencies. There is no age limit to avail of this policy.
    Bajaj Allianz Tax Gain PlanIt is a family floater plan that covers the hospitalization expenses and outpatient treatments, while offering multiple tax benefits.
    Bajaj Allianz Global Personal Guard PlanThis is an international accident insurance policy that offers worldwide coverage against accidents or any disablement anywhere in the world.
    Bajaj Allianz Hospital Cash PlanThis is a cash benefit plan that provides daily cash allowance to the insured during their hospital stay. It is an ideal plan to cover miscellaneous expenses like attendant fees, travel costs, etc.

    Awards Received

    Here are a few awards and recognitions won by the company:

    • “Most trusted brand” award from Herald Global Group” & BARC Asia “India’s Leading General Insurance Company 2019-Private’’ by Dun & Bradstreet.
    • ‘’Best Customer Service Provider of the Year’’ and ‘’The General Insurance Company of the Year’’ awards.
    • “Non-Life Insurer of the Year’’ award at Outlook Money Awards 2017.

    Why should you go with Bajaj Allianz Health Insurance?

    Network hospitals

    The company has more than 6000+ network hospitals  across the nation, giving one access to best quality medical treatments without worrying to have to pay the bill from their pocket.

    Customer support

    The insurer provides 24/7 assistance to its customers. Bajaj Allianz’s customer team is efficient in bringing out quick resolutions in matters of claims, renewals, or any insurance-related queries.

    High sum insured

    The company offers multiple health plans with high coverage at an affordable premium, ideal to financially safeguard you and your family members against the rising cost of medical inflation.

    Claim settlement ratio

    Bajaj Allianz has a staggering record when it comes to claims settlement. The company has a high claim settlement ratio of 98%.

    In house claim settlement

    There is no third-party administrator involved in settling claims. The company has a direct in-house claim settlement team resulting in a quicker claim process.

    Claim settlement within 1 hour

    Bajaj Allianz claims to settle health claims within one hour of its request. The company aims to process all genuine claims as soon as possible for the satisfaction of its customers.

    Benefits of Bajaj Allianz Health Insurance


    Below listed are a few benefits that you may want to consider when purchasing a health insurance plan.

    Extensive coverage

    Health plans offered by Bajaj Allianz provide extensive coverage protecting the insured individual and his family members against all healthcare contingencies.

    Affordable

    The insurer offers high sum insured at an affordable premium.

    Free Health Checkup

    Multiple plans offered by the company provide the benefit of a free health check-up after the completion of the policy period.

    Cumulative Bonus

    Multiple health plans offered by Star Health Insurance come with the benefit of a cumulative bonus, which increases your sum insured as a reward during your claim-free years.

    Automatic sum restoration

    Receive the benefit of automatic sum restoration that reinstates your coverage when you exhaust your sum insured due to previous claims. This benefit provides you a sigh of relief during serious medical situations as it provides you additional medical coverage during difficult times.

    Tax Benefit

    You can avail of numerous tax benefits on your premium paid towards health plans under Section 80D of the income tax act,1961.

    Daily Cash benefit

    The company provides the benefit of daily cash allowance during the hospital stay which assists the policyholder to pay numerous miscellaneous expenses that are not covered in a general policy.

    How to buy a Bajaj Allianz Plan?

    You can easily buy a health plan with us on InsuranceLiya.com.

    Step 1: Simply furnish us with your name, email, and mobile number.

    Step 2: We will call you shortly and assist you with a suitable plan for you or your family.

    Bajaj Allianz Health Insurance renewal

    Follow these simple and easy steps provided to renew your Bajaj Allianz health insurance plans.

    Online

    Step 1: Visit the official website of the company i.e www.bajajallianz.com

    Step 2: Click on the “ Renew” option on the home page and select the category of insurance policy you wish to renew.

    Step 3: Select your health insurance plan and click on “Renew” now.

    Step 4: Enter your existing policy number and date of birth to view the premium details.

    Step 5: Verify your premium amount and make the payment online.

    Step 6: once you make the payment you will receive a confirmatory email on your registered email address along with a premium payment receipt.

    Offline

    You can also renew their Bajaj Allianz health policy by visiting the nearest branch.

    You can also connect with the insurer’s customer care team at their tollfree number: 1800-209-0144 | 1800-209-5858 and state your policy renewal request.

    Bajaj Allianz Health Insurance claim process

    Cashless claim

    One can file for cashless claim when admitted to the network hospitals of the company. Follow these simple steps provided by us to file for a cashless claim with Bajaj Allianz.

    Step 1: Inform the company 48 hours in advance in case of a planned hospitalization and within 24 hours in event of emergency hospitalization. You can inform the insurer at their tollfree number: 1800-209-0144, 1800-209-5858 and also write to them at bagichelp@bajajallianz.co.in

    Step 2: Show your Bajaj Allianz health card and photo identification proofs for further verification at the insurance/TPA desk at the hospital.

    Step 3: Duly fill and sign the pre-authorization form available on the company’s website and submit it to the helpdesk. The hospital will verify your details and send your claim request to the company.

    Step 4: Bajaj Allianz will verify the claim with the terms and benefits of the policy and will approve it accordingly.

    Step 5: Once your claim is approved, the company will directly settle the bill with the hospital.
    Note: In case of claim rejection, the company will state the reason for the same in writing.

    Reimbursement claim

    One can file for reimbursement claim when admitted to any of the non-network hospitals of the company. The policyholder will have to initially pay the hospital bill from their pocket and then can apply for a refund from the insurer.

    Follow these simple steps to file for reimbursement claim with Bajaj Allianz.

    Step 1: Inform the company 48 hours in advance in case of a planned hospitalization and within 24 hours in case of emergency hospitalization. You can inform the insurer on their tollfree number: 1800-209-0144,1800-209-5858 or can write to them at bagichelp@bajajallianz.co.in

    Step 2: After discharge, submit all relevant documents to the company to initiate the claim process.

    Step 3: The company will review your documents and the authenticity of the claim. The claim will be verified with the terms and conditions of the policy.

    Step 4: Once the claim is approved, the refund will be directly transferred to the policyholder’s linked bank account.

    Documents required to file a claim

    • Duly signed and filled claim form
    • Discharge summary
    • Original hospital bills, receipts
    • Original chemist bills and receipts
    • Original test reports, scans, MRI, CT scan
    • Doctor’s consultation letter
    • FIR ( if applicable)
    • Photo ID

     

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    ICICI Lombard

    ICICI Lombard Health Insurance

    ICICI Lombard Health Insurance is a subsidy of its parent company ICICI Bank. The company has more than 6500 + network hospitals, 273+ branches, and more than 840 offices all across the nation.
    The insurer has an in-house claim settlement team to assure that all legitimate claims are settled promptly without any inconvenience to its clients and has a claim settlement ratio of 78.62%.
    ICICI Lombard offers a wide variety of health plans to cater to all types of customers. The company provides various health products for individuals, senior citizens, and the entire family at an affordable premium.

    In this article, we will discuss the following:

    • Health insurance plans offered by ICICI Lombard
    • Why choose ICIC Lombard Health Insurance?
    • Benefits of ICICI Lombard Health Insurance
    • How to file a claim with ICICI Lombard Health Insurance?
    • ICICI Lombard Health Insurance renewal
    • ICICI Lombard Health Insurance coverage

    About ICICI Lombard Health Insurance

    Claim settlement ratio

    78.62%

    Network Hospitals

    65000+

    Renewability

    Lifetime

    Website

    www.icicilombard.com

    Health insurance plans offered by ICICI Lombard

    ICICI Lombard Complete Health Insurance Plan

    This is an all-inclusive health plan for you and your loved ones. It covers hospitalization expenses and also offers numerous benefits like unlimited sum refill, a super no claim bonus, and more.

    ICICI Lombard Health Booster Plan

    This is a super top-up plan that starts covering hospitalization expenses once the policyholder exhausts the coverage of his initial base health plan.

    ICICI Lombard Personal Protect Plan

    This plan is created to financially protect the insured individual against accidents and any disability suffered due to an accident.

    ICICI Lombard Arogya Sanjeevani Plan

    This is a basic healthcare plan intended to cover hospitalization expenses up to the sum insured limit. It is available on an individual and family floater basis.

    ICICI Lombard Corona Kavach Plan

    This plan is specially designed to cover hospitalization expenses incurred in the treatment of COVID-19.

    Why choose ICIC Lombard Health Insurance?

    Far-reaching coverage

    Health care plans offered by ICICI Lombard provide extensive coverage which takes care of all the essential and basic healthcare requirements. The company also covers multiple daycare treatments, surgical procedures, pre and post-hospitalization, alternative treatments, ambulance charges, and much more.

    Lifetime renewability

    Health plans offered by the company come with a lifetime renewal option which means the policyholder can renew their plan without any restrictions on age limit.

    Claim settlement ratio

    The company has a good track record when it comes to settling claims. It has a decent claim settlement ratio of 78.67%.

    Cashless facility

    Avail prompt and top-quality cashless treatments in more than 6500+ networks of hospitals all around India.

    In house claim settlement

    There is no third-party administrators involved in settling company claims. ICICI Lombard Health Insurance has a direct in-house claim settlement team resulting in a quicker claim process.

    Customer support

    The company provides 24/7 assistance where its representatives offer quality assistance when it comes to resolving customer queries. ICIC Lombard  is known to bring in quick resolutions in matters about claims, renewals, and other insurance-related complaints.

    Benefits of ICICI Lombard Health Insurance 

    Sum refill benefit

    Receive the benefit of automatic sum restoration that reinstates your coverage when you exhaust your sum insured due to previous claims. This benefit provides you a sigh of relief during serious medical situations as it provides you additional medical coverage during difficult times.

    No Claim Bonus

    Multiple plans offered by the company provide the advantage of a cumulative bonus which boosts your sum insured as a reward for claim-free years.

    Tax benefit

    You can avail of tax deductions on the premium paid towards your health policy under as per section 80C of The Income Tax Act 1961.

    Health rewards

    The company offers health rewards in form of wellness points when you take good care of your health and wellbeing. You can redeem these points on policy renewal.

    Value-added benefits

    Along with extensive coverage, the company offers numerous other benefits like free health check-ups, wellness coaching, health coach, weight management services, and more.

    How to file a claim with ICICI Lombard Health Insurance?

    Cashless claim

    You can file for cashless claim if you are admitted to a network hospital of the company.

    Follow the simple steps laid down by us to file for the cashless claim.


    Step 1 Inform the company 2 days in advance in case of a planned hospitalization and within 24 hours in case of emergency hospitalization. You can inform the company by calling them on their toll-free number:- 1800 2666.

    Step 2 Visit the insurance/TPA desk at the hospital and show them your ICICI Lombard health card and ID card for verification.

    Step 3Duly fill and sign the pre-authorization request form and submit it at the insurance desk in the hospital. You can download the claim request form from the official website of the company.

    Step 4 The company will verify the claim request with the terms and conditions of the policy and shall approve the claim accordingly.

    Step 5 Once the claim is approved the company will directly settle the bill with the hospital.
    Note: In case of claim rejection, the company will state the reason for the same in writing.

    Reimbursement claim

    You will have to file for a reimbursement claim when admitted to a non-network hospital of the company or when your cashless claim has been disapproved.
    In a reimbursement claim, you will have to clear the hospital bill from your pocket and then can file for a refund from the company.
    Follow these simple steps to file for reimbursement claim with ICIC Lombard Health Insurance

    Step 1 Inform the company 2 days in advance in case of a planned hospitalization and within 24 hours in case of emergency hospitalization. You can inform the company by calling them on their toll-free number:- 1800 2666.

    Step 2 After discharge, collect all supporting documents and submit them to the company to initiate the reimbursement process.

    Step 3ICICI Lombard will review the claim request along with the terms and conditions of the policy.

    Step 4 Once the claim is approved, the company will transfer the claim amount directly into the insured’s linked bank account within 15 days of the claim application.

    Documents required to file a claim

    • Discharge summary
    • Original hospital bills, receipts
    • Original bills, receipts of chemist and pharmacy
    • Doctor’s consultation reports
    • FIR (if applicable)
    • Death certificate ( If applicable)
    • Original policy document
    • Health card
    • Original reports, scans, MRI, CT Scan, other reports

    ICICI Lombard Health Insurance renewal

    It is necessary to renew your health policy on time to enjoy the constant benefits provided under the plan. Follow these simple steps to renew your ICICI Lombard Insurance policy.

    Online

    Step 1 Visit the official website of the company i.e www.icicilombard.com

    Step 2 Click on the “ Renewal” tab.

    Step 3 Enter your existing policy number and date of birth.

    Step 4 Verify your premium amount and make the payment online.

    Step 5 Your plan will be instantly renewed. You will receive a confirmatory email along with a premium payment receipt on the registered email id.

    Offline

    You can also renew your policy by contacting the customer executives on their toll-free number 1800-2666 and state your request.
    You can also visit the nearest branch of the company to get your policy renewed.

    ICICI Lombard Health Insurance coverage

    Inclusions

    Below provided are a few general inclusions in ICIC Lombard Health Insurance Plans. These inclusions may vary from policy to policy.

    • Inpatient hospitalization
    • Room rent, ICU, nursing expenses
    • Treatment expenses
    • Emergency services
    • Pre and post hospitalization expenses
      Daycare procedures
    • Laboratory services
    • Ambulance services
    • Prescriptions drugs
    • Free health check-up

    Exclusions

    Below provided are a few general exclusions in ICIC Lombard Health Insurance Plans. These exclusions may vary from policy to policy.

    • Intentional self-harm
    • Lifestyle induced diseases
    • Cosmetic and plastic surgery
    • Unproven treatments
    • Weight control and obesity treatments
    • Cosmetic and plastic surgery
    • Injury from war or invasion
    • Supplementary vitamins and tonics
    • Any illness due to an intoxicating substance
    • Childbirth defects and disorders

    Are you looking for a new ICICI Lombard insurance policy or a policy renewal? Reach out to us and let us assist you.

    Categories
    Health Insurance

    ManipalCigna Health Insurance

    ManipalCigna Health Insurance

    ManipalCigna Health Insurance is a joint venture between Manipal Group and Cigna Corporation. The company deals with various kinds of insurance products ranging from health insurance, accidental insurance, travel insurance, and employer-employee insurance services and products. The company has an expansive network of over 6500+ hospitals and has a claim settlement ratio of 89.50%

    ManipalCigna has also earned numerous awards and recognitions “Best Health Insurance Company of the Year and Economic Times Best Promising Brand 2015” to name a few.

    In this article, we will discuss the following:

    • Health insurance plans offered by ManipalCigna
    • Why choose ManipalCigna Health Insurance?
    • How to buy a ManipalCigna Health Insurance Plan?
    • ManipalCigna Health Insurance claim process
    • ManipalCigna Health Insurance renewal
    • ManipalCigna Health insurance claim status

    Company specifications

    Network Hospitals6500+
    Claim settlement Ratio0.91
    Policy Renewabilitylifetime
    Waiting period for pre-existing conditions4 years
    Official websitewww.manipalcigna.com

    ManipalCigna Health Insurance Plans

    Plan NameAbout The Plan
    ManipalCigna ProHealth PlanThis plan offers comprehensive coverage covering medical expenses and guaranteed reinstatement of 100% sum insured for any unrelated illnesses unlimited number of times.
    ManipalCigna LifeTime PlanIt is a high sum insured plan that provides you enough coverage to meet all your healthcare-related requirements. It is available in two variants India and Global Plan.
    ManipalCigna ProHealth Select PlanThis health plan comes with a unique reassurance benefit, which offers an automatic extension of policy for two years without paying any premium, in case of a critical illness or any disablement due to an accident.
    ManipalCigna Super Top Up PlanThis is a top-up health plan that will come into action when the policyholder exhausts the sum insured of his/her initial health policy. It is available in two variants Super Top Up Plus and Super Top Up Select Plan.
    ManipalCigna Arogya Sanjeevani PolicyThis is a standard health policy that covers medical expenses from Rs 50,000 to Rs 10 Lakh at an affordable premium.
    ManipalCigna Corona Kavach PolicyThis plan is designed to cover the hospitalization expenses incurred during the treatment of COVID-19 only.
    ManipalCigna Corona Rakshak PolicyThis is a cash benefit plan in which the insured will be paid a lump sum payout when diagnosed with COVID-19.
    ManipalCigna Lifestyle Protection – Accident CareThis plan is curated to provide financial assistance in case of an accident. Under this plan, the company will pay a lump sum payout in case of accidental death or disablement due to an accident. It is available in under 3 variants- Basic, Enhanced, and Comprehensive Plan.
    ManipalCigna Saral Suraksha BimaThis plan is designed to provide lumpsum benefits to the family members in case of accidental death of the insured individual.
    ManipalCigna Lifestyle Protection -Critical CareThis plan covers against listed critical illnesses and conditions.
    It is available in two variants Basic and Enhanced Plan.
    ManipalCigna ProHealth Cash PlanThis is a cash benefit plan, which offers a daily cash allowance during hospitalization stay. It assists you in covering miscellaneous expenses such as attendant fees, travel costs, and so on.
    ManipalCigna ProHealth Group PlanThis health plan is designed to cover essential healthcare needs and requirements of individuals working together in a company or any organization.
    ManipalCigna Global Health Group Plan True to its name, this plan offers medical coverage to the insured group members anywhere in the world.
    ManipalCigna Lifestyle protection Group PolicyThis plan is a combination of two covers, personal accident cover, and critical illness cover. It protects the insured group against listed major life-threatening illnesses and accidents.
    ManipalCigna Group Overseas Travel Insurance PolicyThis plan offers complete coverage against medical emergencies and health related expenses while travelling abroad. It is an ideal plan for corporate groups and associates who frequently travel overseas.
    ManipalCigna FlexiCare Group Insurance Policy.This plan is named FlexiCare because it gives the option to customize the health plan according to the requirements of the group members. It protects against illnesses, accidents, and various other risks.

    Why choose ManipalCigna Health Insurance?


    Network hospitals

    ManipalCigna has a wide range of 6,500+ network hospitals all across the nation, enabling you to experience the best medical treatments without worrying to pay the hospital bill from your pocket.

    Claim settlement ratio

    The company has a good track record when it comes to settling claims. It has an ideal claim settlement ratio of 91%.

    Worldwide coverage

    Multiple plans offered by the company provide healthcare coverage not only in India but all around the globe.

    Automatic sum restoration

    Receive the benefit of automatic sum restoration that reinstates your coverage when you exhaust your sum insured due to previous claims. This benefit provides you a sigh of relief during serious medical situations as it provides you additional medical coverage during difficult times.

    Cumulative bonus

    Multiple health plans offered by ManipalCigna come with the advantage of a cumulative bonus, which increases your sum insured as a reward during your claim-free years.

    How to buy a ManipalCigna Health Insurance Plan?

    You can easily buy a health plan with us on InsuranceLiya.com.

    Step 1: Simply furnish us with your name, email, and mobile number.

    Step 2: We will call you shortly and assist you with a suitable plan for you or your family.

    ManipalCigna Health Insurance claim process

    Cashless claim

    You can file for cashless claim if you are admitted to a network hospital of the company.
    Follow the simple steps laid down by us to file for the cashless claim.

    Step 1- Inform the company 3 days in advance in case of a planned hospitalization or within 2 days in case of emergency hospitalization. You can inform the company on their toll-free number 1800-102-4462.

    Step 2- Visit the insurance/TPA desk at the hospital and show them your ManipalCigna Health Card and photo ID.

    Step 3- Dully fill and sign the pre-authorization request form and submit it at the insurance desk in the hospital.

    Step 4- The company will verify your claim request along with the terms and benefits of your policy.

    Step 5- After investigation, the company will approve your claim and directly settle the bill with the hospital.

    Note: In case of claim rejection, the company will state the reason for the same in writing.

    Reimbursement claim

    You will have to file for a reimbursement claim when you get admitted to a non-network hospital of the company or when your cashless claim is not accepted.
    In a reimbursement claim, you will have to initially pay the hospital bill from your pocket and then can file for a refund from the company.

    Step 1- Inform the company 3 days in advance in case of a planned hospitalization and within 2 days in case of emergency hospitalization.
    You can inform the company by calling on their toll-free number 1800-102-4462.

    Step 2- After discharge, collect all supporting documents and submit them to the insurance company to initiate the refund.

    Step 3 – The company will verify the claim request with the terms and conditions of your policy.

    Step 4- Upon verification, the company will approve your claim, and directly settle your bill with the hospital, before your discharge.


    Documents required to file a claim

    • Original discharge summary
    • Duly filled and signed pre-request form
    • Original bills, receipts, prescriptions
    • Original reports, scans, MRI, CT Scan, other reports
    • FIR (if applicable)
    • Photo ID

    ManipalCigna Health Insurance renewal

    It is imperative to renew your health insurance policy on time to avail of its continuous benefits.
    Follow these simple steps on how you can renew your ManipalCigna Health insurance plan online.

    Online renewal

    Step 1- Go to the official website of the insurer i.e www.manipalcigna.com

    Step 2- Click on the “Renewal’’ tab given above.

    Step 3- Click on the “Group or “Retail customer” option depending on your policy type.

    Step 4 – Enter your existing policy number and click on proceed.

    Step 5- Verify the policy details and the premium amount. Cross-check the other information like a cumulative bonus (if any) before paying the premium and make the payment.

    Step 6- Your policy will be instantly renewed. You will receive a confirmatory email with a premium payment receipt on your registered email id.

    Offline renewal

    You can directly visit the nearest branch of ManipalCigna Health Insurance and state your policy renewal request. You can also connect with the insurer’s customer care on Toll-free number – 18001024465 and state your request for the same.

     

    ManipalCigna Health Insurance claim status

    Online

    follow these simple steps to track your policy claim status.

    Step 1- Go to the official website of the company.

    Step 2- Click on the “ Claims ” option.

    Step 3- Enter the requested details such as existing policy number and date of birth, then click on submit.

    Step 4- You can check your claim status.

    Offline

    You can also inquire about your claim status by calling on the customer team Toll-Free number 1800-102-4462 or writing them at customercare@manipalcigna.com

    ManipalCigna Health Insurance coverage

    Inclusions

    Below provided are a few general inclusions in ManipalCigna Health Insurance Plans. These inclusions may vary from policy to policy.

    • Hospitalization expenses
    • Daycare procedures
    • Organ donor expenses
    • Ambulance services
    • Modern treatments
    • Inpatient Ayush treatment
    • Health check-up

    Exclusions

    Below provided are a few general exclusions in ManicipalCigna Health Insurance Plans. These exclusions may vary from policy to policy.

    • Plastic and cosmetic surgery
    • Self-inflicted injury
    • Injury from war or invasion
    • Supplementary vitamins and tonics.
    • Gender change procedures
    • Experimental treatments
    • Any illness due to the use of intoxicating substances
    • Weight control and obesity treatments
    • Unproven treatments

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.