Medimanage in News
Add Extra Cover to your Office Mediclaim

" Some companies also offer employees the option of paying an additional premium for extending the cover to their families or increasing the cover amount. "Due to claim ratios being unhealthy in the parents' segment, insurers have either hiked the parents' premium ranging from 30% to 100%, or added new restrictions like co-pay , deductibles, treatment sub-limits and so on," says Mahavir Chopra , head, e-business ,, an insurance broking portal.

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Cashing in on Cashless Mediclaim

Sudhir Sarnobat of Medimanage explained, is that "these days, policyholders do not want to waste their time and energy on recovering money through the lengthy procedure of reimbursements".

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Information Gap in Health Insurance in India

According to Sudhir Sarnobat, “There is a need for an independent agency similar to CIBIL (Credit Information Bureau (India) Ltd) to create a common insurance database. An insurance database can be developed in five years. It can be used to come up with correct premium pricing. The unique ID of the customer will offer ease of information without going to the branch or division of the insurer.”

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When Health Insurance Claims get Rejected?

"Insurance companies deny claims for treatment of cirrhosis in such cases under the exclusion self injury. But they pay for treatment of cancer even of smokers. The logic is that while, in nearly 100% cases, the cause of cirrhosis of liver is alcoholism, no such empirical relationship exists between cancer and smoking," says KS Sankar of

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OPD benefits in Mediclaim not in sync with the cost

Says Sudhir Sarnobat, co-founder and CEO, Medimanage Insurance Broking Pvt. Ltd, a health insurance broker: “While for an individual, such medical expenditures are few and far in between. A family, especially with younger kids, can run up bills more than Rs10,000.”

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