Comments on Health Insurance Policies - Fine Prints

what are ENT daycare procedures?

Hi, My father [Age-62yr] underwent Cardiac by-pass surgery in 2006 and after that he undergoes annual cardiac check-up every year. He is in good health now. I want to take a Mediclaim policy for him which covers him for any possible future hospitalization (for all generally covered diseases including his pre-existing condition). Please recommend me good options which is also not very expensive.

Hi, I reside in a Metro city and my child is admitted in a Child Care Centre / Nursing Home last night due to illness last night. However the Nursing Home is a small one and has 5-6 beds only. But it is registered one under the regulatory authorities. I seek clarification on below: "HOSPITAL/NURSING HOME: means any institution in India established for indoor care and treatment of sickness and injuries and which either Is duly licensed and registered as a Hospital or Nursing Home with the appropriate authorities and is under the supervision of a registered and qualified Medical Practitioner. OR In areas where licensing and registration facilities with appropriate authorities are not available, the institution must be one recognised in locality as Hospital / Nursing Home andshould comply with minimum criteria as under: [1] It should have at least 15 in-patient medical beds in case of Metro cities, A Class cities......................." Will I be able to claim for reimbursement? Regards, Sameer

My Wife was Pregnant and was in 9th month. All was normal but one night we finish our dinner and went to our bed. But suddenly at midnight my wife found Heavy Bleeding. We immediately run for our Doctor treating her. She refer us to one of the Big n Best Hospital of our city. The problem raised is called Ante partrue Hemarhage [APH] according to Doctor. As due to heavy bleeding my wife was almost in shock. And to save the life of both (Baby n Mother) a Emergency LSCS was done. A baby born via Cesarean. So, I submit a file for claim against my Medical Policy with United India Insurance Co. but that was rejected by saying "Treatment arising from or traceable to Pregnancy (including Caesarean) not covored. But as per me, as My Wife have no Labour Pain nor the whole process was done because of or for Delivery. So, kindly guide me for the same. Should I go to Insurance Ombudsman???

I am 26 years old and I would like to undergo Lasik Operation. My sight is -7 in both eyes. Can I get free operation in Hospitals?

my mediclaim in cashless rejected due to reason stating that the policy not completed 2 years period, but my previous policies existing last 4 years without any break but it is in different companies like first three years in A [i.e 2009-11]and one year in B(i.e 2011-12), now in C (i.e 2012-13)company. at the time of last renewal (i.e 2012-13)the insurance company recorded only previous year without referring the existing all previous policies under portability,they have not refer anywhere all the previous policies, now can it be be treated as contineuous policy in portability clause.can we have an option to add the previous policies for an updation purpose.

S dr Anand yr eye hospital is eligible and u may contact TPA for cashless facility too

Myself is Eye surgeon.I am having good clinic and adjoining fully equipped eye OT in a commercial complex which is registered from District Chief Medical Office. As eye surgeries are day care surgeries , the clinic has only 2 beds. Is this center fulfills criteria for cashless TPA health insurance companies.

Post your comments Hello, I am 24 years old and I would like to undergo Lasik Operation. My sight is -5 in both eyes. I have ESIC Card. Can I get free operation in Hospitals like Sankar Foundation or LV Prasad Eye institute?

Hi my age is 31 years and I do not have any mediclaim policy upto now.Few months ago I was diagonsed with TYPE 2 diabeties.I want to take a family floater mediclaim policy for me and my wife but I am not very sure if I am eligible to take a Mediclaim policy or not and is Diabeties covered under pre existenc disease.Recently I applied for an ICICI mediclaim policy but they rejected my policy giving explanation of Diabeties on treatment. I will appreciate some body's help on this. Vijay