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Bank Of India with National Insurance Co. has started from this year a new attractive family floater Health Insurance Policy exclusively for Bank of India account holders,BOI Card holders and its employees with Lower premium.

Special features are:–

1. Bank Of India account holder will be the Policy holder(For this you have to open an SB a/c with a near by Bank Of India Branch)
2. Hospitalisation expenses of policy holders & their family members,totalling 4 persons will be covered under one policy.(self,spouse and 2 children below 21 years)
3. Available to persons in the age group of 3 months to 65 years.
4. Floater Policy(any one or all family members can avail Hospitalisation benefits during the policy period up to the sum insured opted) .
5. Sum insured fromRs.50,000/- to Rs.5 lacs.
6. Ambulance charges payable up to Rs.1000/-per policy period.
7. Out of pocket expenses payable for hospitalisation of children below 12 years -a lumpsum amount of RS.1000/-per policy period.
8. Cost of Health Checkup after 3 continues claim free years.
9. Pre-existing diseases covered from 4th year onwards. .
10. No medical examinations is required before acceptance. .
11. Premium exempted under Sec 80D of IT Act. .
12. ashless access through 3rd party admin.in network hospitals all over India. .
13. Reimbursement of claims by TPA where treatment is taken in non-net work hospitals. .
14. Pre & Post Hospitalisation expenses for first 30days and 60 days resp.
15. Maternity benefit and Baby care expenses are also reimbursed up to 5% of the sum insured.

I am giving below few sum insured and premium payable(including Tax)

Rs.50,000/-………..Premium Rs.931/-
Rs.1 lac……………………… …….Rs.1748/-
Rs.1.5 lacs ……………………….Rs .2638/-
Rs.2 lacs…………………….. ……Rs.3394/- ( like this goes up to Rs.5 lacs)

To obtain the policy,first you have to open an a/c and become a BOI family member.

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The best way is to contact different insurance agents, as there are lots of companies these days and take the opinion of all of them and decide which one is best for you. To start with read through these articles which help you decide on the company that has the policy to suit your needs.

New India Insurance may be the best for you.

Read through the mediclaim policy 2007 of “The New India Insurance Company” published in Medindia.net.

New Delhi-based public sector general insurer Oriental Insurance has introduced a new set of mediclaim policies that is targeted at the youth.

Oriental has reworked its policies with an aim to reduce losses from this segment. The mediclaim portfolio, in absolute terms, was about Rs 450 crore in ‘04-05. The policies will be priced differently which the younger population will be motivated to buy, while individuals, above 40 years, will be required to pay higher premium vis-à-vis the present tariff structure.

At present, Oriental has two mediclaim polices in its portfolio – one for individuals and the other for groups. The policy papers will also have more clarity in terms of coverage and definitions of different aspects of the policies. The new products will do away with any ambiguity in literature that the existing policies have.

Although not propelled by any Insurance Regulatory Development Authority (IRDA) directives, the move is in line with the regulator’s move of increasing readability of insurance policy papers for the layman.

The company is expecting a total premium collection of Rs 3,500 crore in ‘05-06 against Rs 3,038 crore in the previous year. The company has already collected about Rs 2,800 crore till December 2007.

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What is the group medi claim policy and what are the major benefits?

Medi claim Insurance is a cover which takes care of medical expenses following Hospitalization/Domiciliary Hospitalization of the Insured in respect of the following situations: (A) In case of a sudden illness (B) In case of an accident (C) In case of any surgery which is required in respect of any disease which has arisen during the policy period.

A Group Medi claim policy is a policy in which the insured gets a Group discount; hence the premium per person is lower and this is the major benefit for taking the group medi claim policy.

Who can avail Group Mediclaim Policy?

Group medi claim policy is available to any homogeneous group/association/ institution/corporate body provided it has a central administration and subject to minimum of 100 persons to be covered.

What is the benefit of group mediclaim policy?

Group discount on premium is allowed depending upon the total number of insured persons.

Covered Risks:

This cover is a hospitalization cover and reimburses the medical expenses incurred in respect of covered disease /surgery while the insured was admitted in the hospital as an in-patient. The cover also extends to pre- hospitalsation and post- hospitalization for periods of 30 days and 60 days respectively.

Major Exclusions:

Any pre-existing disease, any expense incurred during first 30 days of cover except injury due to accident, all expenses incurred in respect of any treatment relating to pregnancy and child birth. Treatment for Cataracts, Benign prostatic hypertrophy,Hysterectomy, Menorrhagia or Fibromyoma, Hernia,Fitula of anus,Piles, Sinusitis, Asthma,Bronchitis, All Psychiatric or Psychosomatic disorders are excluded from the scope of the cover.

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Competition in medical insurance or health insurance business is increasing day-by-day forcing companies to offer better products than before. Free medical insurance counseling can be availed through existing medical insurance or health insurance agents.

In picking the best mediclaim policy or mediclaim insurance one has to have a look at the features of the policy carefully and decide based on the requirements. It is always best to go for a low cost medical insurance or mediclaim policy that offers cashless facility and a higher bonus for every ‘no claim year’.

If your company offers group medical insurance, then be sure to sign up for it. Group mediclaim policy will cover diseases like diabetes and costs like maternity, that individual polices do not.

As group premium rates are much lower than individual rates , be sure to sign up for a group mediclaim even if your company may deduct the premium from your salary,  and even if this is not a perk.

Ask for premium rates from the different companies you consider and then choose one that gives you the maximum features for the lowest premium. See what suits the age profile of you and your family. This is the strong determining factor in policy purchase.

Mediclaim policy is useless if the medical insurance claims  involves a cumbersome  process or takes too long. Find out from friends, family and colleagues about their experiences with different companies before you cut the cheque.

Also speak to some doctor friends to find out which companies create the most problems. Obviously, choose the one most people are satisfied with.

Finally the mediclaim policy, earns the agent a commission each year. Be sure to get an agent who gives you good service. He should remind you before the policy is due and also help with claims. Find out a good agent with the help of your friends.

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1) Is there an age limit for Mediclaim Policy?

The mediclaim policy is available to persons between age of 5 and 80 years. Children between the age of 3 months and 5 years can be covered provided one or both parents are covered concurrently.

2) What is the amount of tax benefit?

For Premiums up to Rs.10000/- tax benefit under Section 80 D of Income Tax Act can be availed.

Mediclaim policy is available only for allopathy, ayurvedic and unanipathy systems of medicine.

4) If the spouse or any other family members are covered by another Mediclaim Policy, can they avail of both the company policies?

If the spouse or any other member of the family is already covered under another Mediclaim Policy, coverage will be allowed for them only under one company.

5) Does the Mediclaim policy cover benefit if one suffers illness/disease or contract injury through accident either in India or outside India?

Yes, Mediclaim protection is available for illness/disease contracted anywhere in the World provided the treatment is availed in India.

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The mediclaim insurance policy protects the insured party against unprecedented medical expenses incurred for hospitalization for diseases/ illness/ accidents/ as well as domiciliary hospitalization.

The mediclaim policy includes operation theatre and hospital room charges; expenses incurred due to diagnostic tests, blood transfusions, medicines, oxygen cylinders as well as cost of appliances like artificial limbs pacemakers etc.

This mediclaim policy is ideally suited for

Individuals aged between 5 and 75 years of age.

Children have to be insured with their parents (age group: 3 months –5 years).

• Government employees and employees of private companies
• Bona-fide members of Clubs or associations.

The three key features of the mediclaim policy are

1. Risks covered
2. Compensation Offered
3. Exclusions

Risks covered

This mediclaim policy protects the insured from the risks of hospitalization due to illness or disease, or injury due to accidents.

Compensation offered

The mediclaim policy will provide compensation for

Hospitalization expenses based on actual and subject to the sum insured.

Domiciliary hospitalization charges based on actual and subject to the sum insured.

Exclusions

This insurance policy will not pay any claims arising from

• Disease or injury incurred within 30 days of commencement of policy will not be covered.
• Injury due to accidents within 30 days of commencement of policy will be covered.
• Disease already in existence at the time of treatment, Pre or post hospitalization treatment of asthma, hypertension,chronic nephritis, diabetes, gastroenteritis, epilepsy, cough or cold, influenza, pyrexia, tonsillitis, psychiatric orpsychosomatic disorders, arthritis, rheumatism or any treatment relating to any illness will also not be covered.
• Naturopathy treatment.
• AIDS.
• Costs of spectacles or contact lenses or hearing aids.
• Vitamins or tonics not forming part of the treatment.
• Hospital/ nursing charges inconsistent or non-incidental to the diagnosis or treatment.
• Convalescence, general debility, sterility, venereal diseases, intentional self-injury or use of intoxicants.
• Vaccination, inoculation, circumcision, changes of life, cosmetic or aesthetic treatment, plastic surgery unless thetreatment necessitating hospitalization is necessary.
• Any treatment related to pregnancy, childbirth or voluntary termination of pregnancy during the first 12 months afterpregnancy.
• Cataract, benign prostatic hypertrophy, hysterectomy for menorrhagia on fibromyoma, hernia, hydrocele, congenitalinternal disease, fistula in anus, sinusitis and related disorders in the first year of cover under the contract.
• Nuclear or war perils.

The mediclaim policy is offered by:

• The New India Assurance Company Ltd. (NIAC)
• United India Insurance Company Ltd. (UIIC)
• The Oriental Insurance Company Ltd. (OIC)
• National Insurance Company Ltd. (NIC)