Please consider following things when you take MEDICLAIM in any form.
1. Premium against sum assured
2. Reimbursement at any hospital should be possible. Suppose you have accident and you have taken treatment in nearby hospital. insurance company may reject it as treatment is not taken at affiliated hospital. BE AWARE OF IT.
3. Many procedures can be done as day care procedures as scientific advancement. This does not require 24 hours admission in hospitals. supreme court had given order for list of procedures.
4. Select HONEST insurance agent for policy. As this agents may also misguide you to certain hospital for his personal gain. And at that place you might not get the treatment you deserve. so be cautious with such agents. If you are not knowing agent, don't take policy.
5. After taking policy, you are not eligible to get treatment for certain diseases. List will be issued by each company. Please go through this list.
6. Remember, insurance company are here to earn. They do give service but not bearing financial loss.
7. For many common diseases, mediclaim company has put CAP for payment. Be aware of those in list. For example, cataract surgery will be reimbursed only 24000 for one eye.
8. When you take policy, you have to give premium to company. But when you put claim, you have to deal with TPA for claim settlement. This TPA - Third party association - also earns something from your claim
9. It is better to select honest doctor for your treatment rather to indulge in cashless and get ruined by unknown hospital and doctor.
10. Whenever you get reimbursed, the next premium usually rises. Be aware of it.
11. Certain diseases are not covered for first 3 years from the policy you take.
12.. if you want to have higher package surgery than the CAP (say for 24000/-) than you are allowed to do so by paying extra to hospital. Many insurance company do not allow to go for higher package.
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