Medical Insurance-India
- Satya Mandavalli
- Sep 17, 2024
- 2 min read
Updated: Jan 5
In India, a number of insurance companies provide health insurance to individuals.
Every insurance company follows the rules below:
You can port to any other company if you have existing insurance, whether corporate or private.
If you were an IT employee in India, before moving abroad, you have to port your corporate health insurance to retail.
This will give you
No medical check-up is required.
All pre-existing diseases are covered.
No cooling period.
If you are taking fresh insurance, then there are some limitations:
The insurance company may require a one—or two-year cooling period. During that period, no planned medical surgeries or procedures will be covered.
Only emergency situations will be covered.
Medical checkups are required for certain age groups.
Whatever use case you are taking health insurance in India, we have to consider the following points:
Which TPA companies do they have?
Claim settlement history
Topups / raiders they have.
After 20 years of experience, I have taken Reliance, Oriental, and United India Insurances; Care health insurance seems better than others. Care health insurance features are as follows:
Care Supreme (Plan) -- No copayment.
Health Insurance Porting starts from a 10L sum insurance.
Claim Settlements Good reviews over the Internet and experienced people.
:
Whatever use case you are taking health insurance in India, we have to consider the following points:
Which TPA companies do they have?
Claim settlement history
Top-ups/raiders, they have.
Care Supreme (Plan) -- No copayment.
Health Insurance Porting starts from a 10L sum insurance.
Claim Settlements: Good reviews over the Internet and experienced people.
08045005978 -- Relationship Manager.
Purpose | Toll‑Free (India only) | WhatsApp BOT | |
New policy enquiries | 1800‑102‑4499 | +91 88604 02452 | — |
Service/claims | 1800‑102‑4488 or 6655 | ||
Senior citizen help | 1800‑102‑4488 (press 5) | — | — |
Escalation Contacts:
Insurance Ombudsman,
Office of the Insurance Ombudsman,
6-2-46, 1st Floor, Moin Court,
A.C. Guards, Lakdi-Ka-Pool,
HYDERABAD-500 004.
Tel : 040-65504123/023325325
Mob: 08008449678
Email: insombudhyd@gmail.com
From Poland, we can view the main page only; if you want to see more pages, you need to connect to an Indian VPN.
It is advisable to contact customer care prior to any planned treatment to verify the details of cashless claim procedures.
When we port from another insurance company to Care Insurance, there is a limitation. Four major surgeries have a cap of four lakhs INR.
There is no co-payment, but for knee replacement and similar major surgeries, the cap is four lakhs INR.
So, before you purchase the insurance policy, first ask, "What are the limitations when you port from one company to Care Insurance?"
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