The Important Aspects of Travel Insurance with Medical Conditions

When you want to take a travel into some places, it will be better for you to take the travel insurance. It can be found easily around you. One of them is travel insurance with medical conditions. This one is the popular option for people based on some reasons. One of them is the service you will gain through it can help you for covering your medical situation. That will be really helpful for making sure that your travel will be done successfully.

There are some things that must be understood about travel insurance with medical conditions to make sure that you are choosing the best one and the most appropriate one with your situation. It can help you, but it can make you feel confused to choose which one the most appropriate one is. You can get, the deeper travel insurance with medical conditions information below. By the knowledge, you will be easier for choosing one of the offerings to completing your travel.

Basic Information about Travel Insurance with Medical Conditions

Not all people know about the basic information. When you are a woman or you are an old aged person with certain medical problems. Take a travel will be a next problem while you need to complete that. Take this kind of insurance with the special service will make you enjoy more your travel than if you just go. People know waiting during the travel and making a preparation by choosing the right travel insurance is better to be composed.

You can get all information from online sources. Almost all of the travel insurance agents has the online website that is managed professionally. Some of them give the online service for completing the conditions to get the insurance. You can compare the payment and the service offered between one and other insurance companies through online way to get the best choice.

There are some medical conditions that can be covered by the service of travel insurance with medical conditions. That includes the disease like diabetes, epilepsy and even cancer disease. The payment will be higher than the common payment, but the service will give you the guarantee that everything will be with your plan during your travelling time. It will be better for you to consult with a specialist on this insurance before you make a decision about choosing the provider.

People need to input some personal materials. That includes the passport, the identification card, and the travel papers. The payment can be completed by using the online banking. You can reduce the time needed for getting it. The process is simple as long as you know the way for finishing it. If you feel hard for completing it, you will use the service of your assistant for completing it under your name. You will not need to spend your valued time for getting it because the process is really fast.

Some Services of Travel Insurance with Medical Conditions

People who often take the travelling time will be easily for getting the travel insurance with medical conditions service. They have the experience before with this kind of insurance. It becomes the special offering from certain travel insurance with medical conditions companies. You will get the best service by using the same company for your travel insurance. You must choose the most appropriate one from the beginning for getting the additional pleasure like that.

The service offered will more significant when you have a plan for a family travelling. Some companies offer some additional service, including the rental car for making sure that your holiday is really pleasant. Some others do not include that into the service. You must check all of the possible service gained before you choose one. You can make the best plan for your family holiday without the possibility of proposing the complaint that is caused by the misunderstanding. Certain company has the certain policy that will be different between one and another.

One common policy offered by the company is about the duration of the travel insurance. It is ended when you have got back into the country. You must know the limit of your travel insurance. Use your time in the best way. You will not face the difficulty just because you get a problem in your expired time. Some companies offer the kind of multi travel insurance. It means that you may get the travel insurance for one year without needing the renewing proposal to get the service. This one may be the better one to be chosen for your family travel.

There is one thing must be noticed when you want to propose the proposal of getting the travel insurance. That relates into the condition of your family members who will join the travel. If you or one of your family members has the specific medical condition, you must mention it from the beginning. You will get the possible help when you propose your claim. It will bring into the problem when something happens because of that during your travel. Do it in line with the policy offered and you will get all you need.

You have done with all of the information needed to be understood as relating to the travel insurance with medical conditions. The next thing must be considered is about the tips for making the easier process of claiming the insurance. One of the tips about that is that you must fill all of the information needed in your application form honestly. That will help you in getting the service at the time you need it. Lying with your application form is a bad way to completing your proposal.

Fine For Not Having Health Insurance: Knowing The Truth

For those who live in United States, they probably get the problem related to the cost for health care due to the too much expensive to be paid. Probably, it is not only experienced by people in United States but the others who live in other countries. When talking about the cost for health care, it will close related to the payment for insurance policy. Actually, there are still lots of people who are uninsured with the reasons that they can't pay the cost for the insurance policy. However, fine for not having health insurance is then to be one of most phenomenon topic which is talked by many people recently. Thus, it will be explained several facts about that phenomenon as follow.

Things to know about fine for not having health insurance

Although there are considerable debates surrounding the subject about fine for not having health insurance, there will be no doubt that actually those who don’t have a kind of health insurance will pay higher changes for the hospital treatments. The gaps between charges levied on the individuals paying the hospital bill through insurances and also those are paying privately as well as have been rising steadily for about more than 20 years. Indeed, latest available figure shows that the private patients are paying no less than about two and half times as many as the insured patients on 2004.

The overview of fine for not having health insurance

For those who can afford the health insurance but they tend to not purchase the insurance policy, those have to pay the fee which is called as individuals shared responsibility payments. The payment or fee for this is called as fine, penalty, or individual mandate. The individuals owe for any your spouse, month you, or the tax dependents do not have health insurance which qualify as the minimum essential coverage. For this fine for not having health insurance, you can search about the insurance types which qualify.

The individuals pay the fees as their file of federal tax return for year which they don’t have the coverage. On several fine for not having health insurance cases, they probably qualify for the health coverage exemptions from requirement to own the insurance. If the individuals are qualifying, they will not have to pay the pays. For this, you can learn firstly about the health coverage exemption. In 2016, there is particular fee which should be paid for fine for not having health insurance. Actually, the fees are calculated in two different ways as the percentage of the household income and also per person.

For the percentage of income, it is 2.5% of the household income. For the maximum payment of this fine for not having health insurance, the total yearly premium for national average prices of the bronze plan sold through marketplace. For per person payment related to the fine for not having health insurance cost, it is variously. You have to pay about $695 per adult and $347.50 per child under 18. For the maximum payment is about $2,085.

For paying the fine for not having health insurance fee, it uses percentage methods only part of the household income which is above yearly tax that is filing the threshold $10,150 for the individuals and $20,300 for the couples filing jointly on 2014 as well as most recent years available is counted. When the fee of fine for not having health insurance must be paid by using per person method, the individuals must pay only for the people on the household that don’t have the insurances coverage.

For those who have the coverage for parts of year, the fee for fine for not having health insurance is about 1/12 of annual amount for each month you or the tax dependents don’t have coverage. For those who are uncovered only one or two months, you must not pay the fees at all. You have to pay the fees as you file the federal tax return for year you do not have the coverage.

For the fees on previous years or 2015, the fee for fine for not having health insurance is about 2% of the household income. As it is calculated for per person, you have to pay $325 per adult and $162.50 per child under 18 years old and for maximum is about $975. O 2014, the penalty is about 1% of the household income. As it is calculated for per person, the individuals must pay $95 per adult and $47.50 per child under 18 years old. For those who are unemployed, your payment will still depend on the household income. If the insurances are unaffordable to the individuals based on their income, the probably qualify for the exemption from the fees. Others exemption are according to the low income too.

Mostly, people must have the qualifying health coverage or pay the fees for months they do not have the insurances. Yet, for those who qualify for the health coverage exemptions they don’t need to have the health insurance or pay the fees. In the term of fine for not having health insurance, there are several things that you have to know about the health coverage exemptions.

Actually, the exemptions are available according to the number of the circumstances that include the certain hardships, several life events, financial status or health coverage, and also membership on several groups. The individuals claim several health coverage exemptions on the federal tax returns. Others you can apply for with the paper application. By means of fine for not having health insurance, the individuals don’t have to pay fee for any month that they are covered by the plan which qualifies as the minimum essential coverage. If the individuals are uncovered only one or two months, the individuals must not have to pay any kind of fee for any month.

To sum up, as you know that there is fine for not having health insurance, it will be better if you register yourself and your family to the insurance companies. In fact, the prices for the insurance policy are available in a range from the cheapest to the expensive one. All you need to do is finding the one which is suitable with your need.

How People Face the Fine for Not Having Health Insurance

Life insurance is a need for people because this one will help them when they have any problem with their life. The accident or something unexpected event will be got from people, so that they will have something that can protect them. How people do when they have no insurance and they getting accident? They will find the fine. The fine for not having health insurance will cause quite stress because they will face two problems, including ruins of the car and the hospital treatment. People may have car insurance and it can protect their car, but how do they face the health care when they get injured due to accident without any health insurance.

The possibilities in the fine for not having health insurance

People should pay a fee that is called as the payment responsibility. The fee is called as a penalty, fine or individual mandate. People will owe the fee for any month from their spouse and tax dependent to pay it. Then, people pay the fee when they file their federal tax return for some years that they do not have coverage. People may qualify in a health coverage exemption from the requirement to get the insurance. People will not pay the fee when they can qualify the health coverage.

Many possibilities will be found by people when they have no health insurance for their life. It will be like a dumb person when they are heavy smoker, but they have no health insurance. The fine for not having health insurance will be got from people. It is a lazy person when they have no health insurance, whereas they need to have health insurance because of their bad behavior in the life. The fine for not getting health insurance will cause people to pay the tax penalties. The tax penalties can be found in the annual income taxes. The government will have two ways to calculate about their own in their file taxes.

Some risks for people who have no health insurance

People not only getting the fine for not having health insurance but they will have some risks that can cause them to face the new problem about their health. Many people think they do not need health insurance because they are in good condition. The bad or something unexpected will happen and it will give deeper trouble. The health insurance will not only give a treatment when people are sick, but also can give the best one for people that need medical attention. So, people will have a problem when they have any health insurance for their life.

People should charge of paying for any treatment that they have received from the doctor, hospital, and so forth that have relation to the medication. Then, people will not face the fine for not having health insurance but they will have more problems when they have no health insurance. People will get some risks that will go along with not having any medical insurance coverage. People should rethink about their idea relating to the health insurance.

The bad one for people who have no health insurance

People who are abusing the system will have worse treatment because they are like not taking care themselves from any bad accident for their life. The fine for not having health insurance is like a remedy for people because if people have no fine, they will let their body too fat and they will get diabetic. Get the health insurance will give them something useful that can help them with their problem. Get the health insurance will make people better instead of so difficult for them to keep their health well.

There is no certain solution for people who have no health insurance. Although they can pay through the tax annual income, people will get the best one from the health insurance. They will have something that can protect them from any accident that is bad for them. The fine for not having health insurance will be good because this one will give like a warning for people to apply them getting health insurance. Have no health insurance is too bad for people because they have no protection when they get any unexpected accident.

People should know that having no health insurance is against the law in the western nation so that the fine for no getting health insurance is applied. It will give a little solution for people who have no health insurance because the fine for not having health insurance will ask the people to pay the insurance from their tax. The fee that should be getting from people in the tax will be calculated in two different ways. It can be seen at the percentage of their household income and people. People should pay which is higher.

The percentage that can be found in the percentage income of household is about 2.5% of their income. The maximum will be seen at the total yearly premium for the national average of a bronze plan sold through the marketplace. The fine for not having health insurance can be paid per person where people should pay $695 per adult and $347.50 per child under 18. Each program will have each benefit. So, people can choose one of them as their fine to pay when they have no health insurance.

People should pay the previous penalties where it has higher in tax where the household should pay 2%. People will have difficulties because they have no health insurance. The fine for not having health insurance will give some solution, but it will not give the clear the problem. The fine comes from the government. It will give a little solution, but getting the health insurance earlier will be the best idea for people to keep their health well.

Get the health insurance will be the best idea for people. People will have fine for not having health insurance because they do not follow the system so that the fine should be paid by people that have no health insurance when they have any bad accident. The way to pay this fine has some variable types that can be applied by people. It is bad for people that have no health insurance.

People Over 50 Health Insurance: Choosing the Right Health Insurance

People will be getting older. The health and life insurance is important for them especially for people over 50. Over 50 health insurance is important because of some reasons. The first reason is the expenses of caring for older people are expensive. If you have a health insurance, your family will not cost much money for gets a decent burial. The insurance will cover all of the cost. Another reason is that you can save some money you have accumulated in the rest of your life to your son or grandson. It can be your inheritance for your family.

How Does Over 50 Health Insurance Work?

The common health insurance is same with this health insurance. There is only one difference between over 50 health insurance and other health insurance is no cash in this insurance. So, it will be better for the insurers to save and keep up their payment to get cash. This insurance allows the insurers to have no medical check up, but they can remain the policy. They do not need to show their premedical conditions before having this insurance.

If the insurers can keep their medical conditions and health for about two years, they can get a payout. If they are passed away before the two year period over, their family can have the payout. It is like mutualism symbiosis and it is one of the benefits for over 50 health insurance. There is an exception to make the payout happen. It has only happened for those who cannot survive for two years and die because of an accident. It is a clear policy for this insurance.

Know the Insurance Types

There are some types of health insurance covering health. They are individual insurance, family insurance, and group insurance. People can have health insurance privately if they do not have any insurance from the company they working for. Private health insurance or personal health insurance is one of the insurance that can cover all the medical insurance. This insurance allows the insurers to refuse the coverage granted if they do not need it. This personal insurance is available for all people, including the insurance for people over 50.

The next type is the family health insurance. This insurance has a similar usage as personal insurance because they are promoted from the same label. This insurance will cover up all the insurance of the family member. If you are living with your whole family member, it will be better to choose this insurance. Although you have an insurance for your company, one of the members in the family will not count to get the health insurance. So, you can use family insurance to save some budget in medical problems.

The last type is group health insurance. This insurance does not include for over 50 health insurance. This insurance is held by a huge corporation to make health or medical plans for the employee. So, this insurance prefers to the big companies because it will cover up the employees' entire health problem. For a small business company, it may be they have to think again if they want to use such health insurance for the employee.

What Is The Benefit Of Short Term Insurance?

One of the most popular insurance is the short term insurance. This kind of insurance is famous today because of the affordable price of it. People in old age do not know the health plan of their life. This short term insurance will be the best over 50 health insurance. The insurers do not have to be worried if they are getting older and have no job. They can choose this insurance that has a low price and good policy.

There are health insurance companies that offer the best deal for over 50 health insurance. They have at best police for people over 50 with less pay. This health insurance is designed especially for senior citizens that will give benefit for them. They offer a temporary insurance as a limited period insurance. The periods can be either for six or 12 months. This insurance covers all illness and accident.

This short term insurance is working in a same way with the long term insurance. It is same with another type of health insurance. The differences between these short terms with another health insurance are that the insurers will have a health card. This card is used as the limitation time of the insurance as the taxation of the service from the company and for the policy that the company gives. It will help to save money for the insurers.

This short term insurance is designed in easy way not to make the insurers burdening. This insurance does not need a pre existing medical condition of the insurers. This insurance is focused on the main health problem of the insurers. This is the best insurance for over 50 health insurance because it helps them to get health insurance with easy policy and not burdening them and protects them to solve their medical problem.

The Best Over 50 Health Insurance

The affordable and inexpensive over 50 health insurance is one of the senior citizens looking for. People will get older and older. Health and life insurance are the most important thing for them. If they do not get insurance from their company, they will try to find one the best for them because of people over 50, health is the most problem for them. They have to be selected to make a choice for health insurance. Rethink before choosing a health insurance and choose the one that provides many benefits for the insurers.

Many people know that every insurance company will ensure the healthy and young, but people not always be in healthy and young. For the senior citizens, they have to choose the right insurance. Life and health insurance for people over 50 has reasonable and affordable price. The policy is not making the insurers burdening. If they are no longer working for any company, individual or personal, the insurance with short term is the best choice.

Life Insurance No Medical Exam Will Offer You with Profitable Insurance

Life insurance is offered for you with a lot of different kinds. You can choose best of life insurance that can give you a lot of your advantage. You can find a lot of different kinds of life insurance that you choose in suitable with what you want. Find life insurance from the internet can be one your consideration. You can find a lot of advantages with profitable advantage of your life insurance. One kind that become famous and favorite insurance is life insurance no medical exam.

From a lot of different life insurance, this life insurance, will offer you with some of the advantage. The first advantage is getting your insurance in fast time. You only need to fill your form with online system. You can get your insurance in direct. With life insurance no medical exam, you can need your life insurance to practice because you do not need to check your medical. But, not only with those of the advantage that you will get from this one kind of life insurance. You can find a lot of advantages from this one kind of life insurance.

Advantage of life insurance no medical exam

Although you do not need to check medical exam from this one kind of life insurance. But you are still getting the best advantage from this insurance. From this one kind of life insurance, you are offered with best life insurance that will make you are in profitable and best advantage. There are some of the advantages that you will get from life insurance without a medical exam.

First advantages are fast time. It will make you are easier to get your insurance. You do not need to take psychical exam. You do not need to visit your doctor and check yours medical. This insurance offers with the easiest method to get your insurance. With this insurance, you will get the easy way to get your premium and your insurance.

Second advantages are fast time without lengthy delays. You can get it in 2 weeks or in long lengthy delays, but this life insurance can you get in fast. You do not need to wait your long delays to get your application, test and other. With life insurance no medical exam, you only need simply thing and get the best advantage from this life insurance.

The third advantages are easy payment. You can make your payment at the first time with online system in the same day. Life insurance no medical exam with online payment will you get into safety payment. It can make you get the simplicity and easier life insurance for you. You can get best advantage when you choose this one kind of payment you will get the best advantage.

Disadvantage from life insurance no medical exam

Not only about the advantages that you will get from this insurance. You must know about the disadvantage from this life insurance. With known whole of the information, you will get better consideration to take this one kind of life insurance. You will get fewer disadvantages from this life insurance. You can still get the best advantage without disadvantage for you. There is little disadvantage when you choose this life insurance.

Life insurance without doing medical exam will give you a limited amount of coverage. You only get your amount coverage only in limited in the same with the company decides. You only get your amount coverage only in $25.000 - $250.000. But if you get more than one insurance, you can get your amount of coverage in $40.000. All the things will you get in this insurance.

You will get higher cost because this insurance offers you with short process. You will get your insurance in fast time, short application process, limits question and only accept the people who can be in complete qualify. It can be usual if you will get your payment in higher price.

How to get best life insurance no medical exam

It will offer you with suitable payment and suitable premium, so you must read about the policy first. You can find some of the rule from the life insurance company to get best rule. It can suitable for you. You can find the exclusions of the policy from the life insurance. You can find about the policies that can give you an advantage or disadvantage. The most important thing that you must give your attention is about the payment if you are dead at the insurance time. You can find different rule from every company of this insurance. You can find best of company with the best advantage.

Another thing that you must give your attention chooses your payment in profitable. You can choose your payment in lost price that will give you high premium when you are dead. This one kind of life insurance will help you to get suitable premium and get best advantage from this life insurance. So, choose this one kind life insurance will still make you are getting best advantage.

Apollo Munich Dengue Care Health Insurance Plan

Our first of a kind Dengue Care plan offers coverage for any medical expenses incurred on inpatient or outpatient treatment for dengue. You are not required to undergo any medicals at the time of taking the cover.

Eligibility:

·         This policy covers persons in the age group 91 days to 65 years. The maximum entry age is restricted up to 65 years. The Minimum entry age for Adult is 18 years and maximum is 65 years. The minimum entry age for child is 91 days and the maximum is 25 years.

·         No maximum cover ceasing age

·         An individual and/or his family members namely spouse, dependent children and parents are eligible for buying this cover.

·         This cover will be offered on individual Sum Insured basis only.

·         This is an annual policy.

·         The premium for the policy will remain the same for the policy period as mentioned in the policy schedule

·         A maximum of 6 members can be added in a single policy. A maximum of 4 adults and a maximum of 5 children can be included in a single policy.

Benefits	Sum Insured – Rs 50,000; 100,000
In-patient Treatment	Upto Sum Insured
Room Rent	Single Private A/c Room
Shared Accommodation Benefit	Covered
Pre-hospitalization	15 Days
Post-hospitalization	15 Days
Outpatient Treatment ·         Pharmacy ·         Diagnostic tests ·         Outpatient Consultation ·         Home nursing	Rs. 10,000

Contact us in case if you want to buy this product.

What you Need to Know About Private Health Insurance

Healthy life is the only ways that one can be guaranteed a quality life. No one knows when a medical complication will strike and many are finding ways of cushioning themselves from such happening. Among the many health insurance packages available in the market, private health insurance is one of the most popular among many people.

What is a private health insurance?

This health insurance is a package designed to ensure that the covered person has nothing to worry about medical bills if they get ill in the future. The insurer is responsible for all the cost that the patient. It will be liable to the medical facility that they are treated in. The patient has nothing to do with the medical bills. The full cost of treatment which is serviced by the insurer. This insurance package is designed to get the patient diagnosed and get treated quickly compared to when they are on their own. The patient gets access to top quality health services when they need them.

Benefits of Private medical insurance

Proper health is a combination of a good lifestyle and quality health services. This type health insurance cover brings plenty of benefits the insured as they have the access to some of the best medical facilities and services as per the agreement. There are many reasons why you should consider buying a private medical cover. There are:

• Control over your treatment: Treatment requires a good cooperation between the patient and the doctor. Private health insurance gives the patient freedom to choose the doctors who they want to attend to them. This is an advantage that they might not have on their own.


• Quick access to treatment: This medical insurance cover enables the patients to get into the hospitals faster than those who use the public system. The waiting period before you can get access to medical services is very short. It is very easy for the medical condition to be treated before it's too late. This not only saves time but also the life of the patient.


• Quality facilities and services: Medical insurance companies work together with private medical facilities that are known to have some of the most updated medical equipment and facilities. Apart from top quality facilities, private hospitals are reputed for the quality of their medical experts.

Types the of medical insurance covers

Select the right insurance cover is the most important thing. Most insurance companies will provide you with two types of covers. The comprehensive and the special covers. Comprehensive insurance cover allows the insured to be treated all kinds of medical complication. From the mental, dental or any other health complication that the patient experiences when under this cover, the insurer is fully responsible for the full cost. Special covers will cover the insured on the selected areas or certain medical conditions e.g. a heart disease.

Make a claiming

Like any other insurance cover, you need for a claim. The bills can be sorted out. The insurer provides a list of the medical institution that you can select from. Most of them have the health facilities that the insurance company has an agreement. It is easy for the clearance of the patient. The healthy facility or the specialist that you are referring is not recognized by the insurer. You need to call the provider for advice before you are attending.

The fact remains that private health insurance has plenty of benefits that the insured get when they get sick. It cannot compare with any normal public health packages available. You should look for is the best insurance company to insure you. The reputation of the health insurance company is a crucial factor to consider before you can sign an agreement with them. Select the best insurer and you will never struggle with your health bills. You can rest assured that you will receive nothing but quality medical services with this insurance cover. Make sure that you have adhered to the set rules and regulations or the agreement between you and the insurer.

Religare Group Health Insurance for Employees

Religare Health Insurance Corporate - Group Health Insurance Policy for Employees

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Religare Maternity Health Insurance Joy Plan

Religare Cheapest new born baby and maternity best health insurance Joy

Maternity Health Insurance Plan Details
Plan Name	Joy Today	Joy Tomorrow
Sum Insured – On annual basis	3 Lac / 5 Lac	3 Lac / 5 Lac
Maternity wait period	9 months	24 months
Entry Age – Minimum	Adult : 18 years or above Child : 1 Day to 24 years	Adult : 18 years or above Child : 1 Day to 24 years
Entry Age – Maximum	45 years	45 years
Exit Age	Lifelong	Lifelong
Cover Type	Individual (maximum up to 6 Persons)	Individual (maximum up to 6 Persons)
	Floater : 2A / 2A1C / 2A2C	Floater : 2A / 2A1C / 2A2C
Pre-policy Issuance Medical Check up	Applicable on Insured Person with age 46 years or above	Applicable on Insured Person with age 46 years or above
Religare Maternity Health Insurance Benefits
Hospitalisation Expenses
In-Patient Care	Yes	Yes
Day Care Treatment	Yes	Yes
Pre-Hospitalisation Medical Expenses	Up to 30 days	Up to 30 days
Post-Hospitalisation Medical Expenses	Up to 60 days	Up to 60 days
Ambulance Cover	Up to Rs. 1,000 per Claim	Up to Rs. 1,000 per Claim
Maternity Cover (including Pre-natal & Post-Natal expenses)	Up to Rs. 35,000 for 3 Lac SI Up to Rs. 50,000 for 5 Lac SI	Up to Rs. 35,000 for 3 Lac SI Up to Rs. 50,000 for 5 Lac SI
Newborn Baby Cover	Up to Rs. 30,000 for 3 Lac SI Up to Rs. 50,000 for 5 Lac SI	Up to Rs. 30,000 for 3 Lac SI Up to Rs. 50,000 for 5 Lac SI
New Born Birth Defects	No	Lump sum – Rs. 50,000
Wait Periods
Initial Wait Period	30 Days	30 Days
Named ailments	24 months	24 months
Pre-existing Diseases	48 months	48 months
Sub-limits
Room Category	Single Private Room with AC	Single Private Room with AC
Co-payment	20% (Applicable where age of eldest member at entry is 61 years or above)	20% (Applicable where age of eldest member at entry is 61 years or above)
Tenure	3 Years	1 Year / 2 Year / 3 Years

What is not Covered in Religare Maternity Health Insurance ?

• Any pre-existing ailment/injury that was diagnosed/acquired within 48 months prior to issuance of the first policy
• Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
• Non-allopathic treatment.
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• Cost of spectacles/contact lenses, dental treatment
• Medical expenses incurred for treatment of AIDS
• Congenital disease
• Tests and treatment relating to infertility and in-vitro fertilisation.

Religare Maternity Health Insurance Policy Terms
Entry Age - Minimum		Adult: 18 years
		Child: 1 Day
		New Born: 1 Day
Entry Age - Maximum		Adult: 65 years
		Child: 24 years
		New Born: 90 Days
Exit Age		Lifelong
Cover Type		Individual / Family Floater
Renewal	Lifelong Renewability. The policy can be renewed under the then prevailing Health Insurance with Maternity Benefit Product or its nearest substitute approved by IRDA
Co-payment	If you enroll at the age of 61 years or more, you will have to pay 20% of the claim amount under the policy. We pay the rest.
Waiting Period	30 days for any illness except accident
	24 months for maternity of Joy tomorrow
	9 months for maternity of Joy today
	2 years for specific treatments/illness
	4 years for pre-existing diseases
Grace Period	30 days from the date of expiry to renew the policy
Policy Tenure	3 years
Maternity Cover	Available only up to 45 years of age

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Is the Health Insurance provided by your employer sufficient ?

   

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Many of the employers provide Group Health Insurance to their employees. Whenever an employees joins an organisation, the company offers him or her a Group Health Cover which was already running for quite some time. As such, there is a little chance that the new joinees are made aware of all the provisions and facilities available under the plan.

Most of the plans have sub-limits, wherein there is a capping on room rent, ICU charges and on certain surgeries and day care procedures.Many a times, it is observed that the cover is inadequate for the family members and for the extended family.

As such, it is always advisable to buy a separate Family floater Health Insurance Plan covering all the members of the family, parents and in-laws for adequate sum insured.