Friday, October 23, 2009

Claim peace of mind—Buy Mediclaim

A recent research revealed that in the booming corporate industry, profits and rise in salaries is just one side of the coin, the other side has its adverse effects as well which is inclusive of increase in stress levels at work place and lifestyle diseases. With cardiac diseases, diabetes, etc. engulfing more victims, the rising medical costs too have become one of the reasons in heightening the stress levels. To lower the stress levels, Medical Insurance coverage plans have been introduced by a number of medical health insurance companies.

Medical health coverage comes as a friend indeed in times of hospitalization as it offers adequate financial support. Mediclaim health insurance can be availed by individuals aged between 5 to 80 years. Not only this, medical health insurance can also cover children between the age of 3 months and 5 years but only if the parents are covered concurrently. Mediclaim health insurance, however, does not apply on the expenses charged on homeopathic treatments, manual therapy, naturopathic medicine (natural medicine), or osteopathy, etc. The mediclaim health insurance policy covers only Allopathic, Unani, Ayurvedic systems of medicine.

A health insurance policy offers for reimbursement of hospitalization charges inclusive of doctor consultation, pre and post hospitalization costs, medicine bills, etc. The best mediclaim policy is one that covers expenses associated with treatments such as dialysis, chemotherapy, radiotherapy, etc. Before purchasing a mediclaim health insurance policy, it is always suggested to go through the exclusions as any disease existing before the purchase of the Medical policy is not covered.