Mediclaim

[MAGNeT]

Finally have decided to go for mediclaim...all my family members have it except me....but as ill b getting a bike in new year i guess i too will now go for it....

Guys please give suggestion for which company to go with and which should i avoid.......

Also please share personal experience if any

 

[thebanik]

My company does medical insurance through UHC, united healthcare, pretty responsive they are, alongwith being very reliable. I dont know how to do medical insurance individually though....

 

[Kneo]

Go with some well established PSU kind of players e.g. New India Assurance. Private players would have quite a few attractive offers, but getting claims settled would be difficult.

 

[medpal]

being in medical field it would be worthwhile to note following points.

You have to go with a larger player, as now awareness is increasing so is the claims for reimbursement.

I have had nice experience from Government players, I have my general insurance need are covered completely by New India Assurance.

All 4 companies in govt sector have same offers.

Other options are Iffco-Tokio / Bajaj and HDFC those are good reputed ones.

Dont fall for Reliance.

Whenever you go fro mediclaim make sure you take your policy in individual allocation amount (means if you are taking insurance for your specified family members do fix up every ones amount for insurance), in other words dont go for floater policies.

And make sure you take a reasonable amount bare minimum imho would be 2.5 lacs for a person who is earning and has other members earning too.

If the person in sole breadwinner then take it to 4-5 lacs.

 

[RKitect]

Go for the New india Assurance or United Health. besides the Insurance Co the TPA is also important. this i am saying from my experience when my mom was hospitalised. TTK is one of the better TPA. (mine is TTK) and the hospital guys also told me the same about ttk. there was one more good tpa whose name i cannot recollect now. will post it later.
In short for mediclaim lookout for
1. Insurance co (New india Assurance)
2. TPA (ttk) third party assistance.