Medimanage in News
Use Cover Twice in a year, for same premium

Says Mahavir Chopra, head (e-business and retail),, a health insurance portal: “One big drawback with a floater plan is consumption of the entire sum insured on one major hospitalization, resulting in a shortage in case of another hospitalization the same year. Restore aims at solving this problem.” When Optima Restore reinstates the sum insured, other members of the family can invoke the cover even on account of the same ailment for which the policy was used previously by another member.

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How to Insure Parents when they are covered by your Employer?

"The first thing that is required while scouting for covers at this age is a change in mindset. They (employees and their parents) have to realise that there may be no perfect product available. They should be open to an imperfect solution," advises Mahavir Chopra, head, e-business, medimanage. com. "Individual policies will not cover everything and they need to understand that it is better to have something rather than being without a cover."

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How to Top up your Health Insurance

Says Mahavir Chopra, head (e-business and retail),, a health insurance portal "With year-on-year healthcare inflation at 16-20%, a top-up policy is a low-cost investment, which will pay great dividends in the long run."

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L&T's Health Insurance Product Review

However, according to Mahavir Chopra, head, e-business of medimanage, a health insurance portal: "Though the product offers benefits similar to a critical illness policy or a personal accident cover, one will still need to buy these separately. The lump sum they pay promptly should take care of the loss of income in case of accident or diagnosis of a critical illness."

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Pre-existing pains for new policyholders

"Customers not happy with their current insurer and looking at porting to another may end up with policies that have conditions like extra loading or, worse, a permanent exclusion of an existing disease. Utmost care must be taken before accepting portability terms from the new insurer," Mahavir Chopra adds.

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