Best Mediclaim Insurance Policy

We as grace solution believe there are three categories of person on the basis of there employment need mediclaim but have different views.

That we have Mediclaim from the company so why to buy personal mediclaim grace solution analogy for these people.
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    As we are pvt employee we generally switch jobs for increment and high profile . It generally takes 3 to 4 months to switch jobs from one another.

    What if anything required medically by anyone member of the family between these 3 to 4 months

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    Generally companies give mediclaim policies for 2 lacs or 3 lacs maximum.

    What if we have required medically 5 lacs claim.

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    And most of the time what we see that people writing in pvt firm plan there retirement at the age of 55 or 60.Or they may open there business, Company Mediclaim work for your family till you are working and when you go to buy mediclaim at that age it cost huge,May you have that capacity to pay.

    but what if company will pull exclusion on certain points.

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    We as grace suggest that buy personal mediclaim and use it for yourself and your company’s mediclaim should utilize for your parents.

    because when you buy a mediclim for your father and mother it will cost and there will be exclusion into there policy.

We as grace won’t ask any Government employee to buy any mediclaim but suggest them to buy mediclaim for their child. Because as their child got marred they will be excluded from their mediclaim policy.
They have to buy the mediclaim right from the beginning for the smooth functioning of their business.As grace is empanelled with mediclaim companies we can help in following ways.
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    If you have mediclaim we can help you to port your existing policy with current changes and with comparative studies of your policy.

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    If you won’t have any policy we can help you to buy best mediclaim policy by doing the need base selling of the product.

Health insurance is insurance against the risk of incurring medical expenses among individuals. The unhealthy lifestyle that most of us lead is a sureshot recipe for medical disorders coming our way.

Add to that the ever rising medical expenses, a smart individual buys health insurance to guard against big and unmanageable hospital bills.

Illness or an accident may be just around the corner. In such a situation, there are two options that we have, either to have ready access to funds for our treatment, or to ask friends / relatives for money.

Health insurance helps us avoid the second situation, where even if we don’t have ready cash with us, our insurer will settle the bill for our treatment.

Before we buy health insurance there are a few points that we need to consider:

1. Does the plan have cashless settlement or only reimbursement mode?

2. Is there any room rent capping?

3. What is the waiting period for various diseases?

4. What is the pre and post hospitalisation cover in this plan?

5. Are there any exclusions in the plan?

6. Is there any disease specific capping?

Checking on these may seem complicated at first, but ignoring them could land us in big trouble. While we may believe that we have insurance, but being unaware of capping or waiting periods might mean that we need to shell out large sums of money from our own pocket.

Incase we are looking to cover other family dependents as well, buying a floater policy may be a good option. A floater helps to bring down the total premium as compared to multiple individual policies, while also ensuring the protection of all loved ones.

It is advisable that before selecting a health insurance plan, we identify our needs and then seek the help of experts to shortlist the policy that meets our needs. Contact us now for helping you find the best policy for you.