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Health Insurance

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Be Insured and Cover your Medical expenses

Health Insurance is a type of insurance that covers the medical expenses of the insured due to an illness or accident in exchange for a premium amount. It enables the insurance company to provide medical coverage for hospitalization expenses, day care procedures, critical illnesses, etc. A health plan also offers multiple benefits, including cashless hospitalization and free medical check-ups.

Coverage &
Policies

See all the different types of Policy which Claim Insurance can protect you
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Discounts &
Benefits

Learn how you can save on Health insurance by browsing discounts.
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How to make Claim

We at Claim Insurance support all kinds of claim when admitted to hospital
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What risks does your policy cover?

It depends where you live, but standard homeowners insurance policies will typically help pay to repair damage caused by certain risks, or perils, including:
Hospitalization Expenses - A health insurance plan covers the medical expenses incurred on getting admitted to a hospital for more than 24 hours. It includes room rent, doctor’s fee, medicine cost, diagnostic test fees, etc.
Pre & Post Hospitalization Expenses - It covers the medical expenses that you may have incurred on an illness before getting hospitalized as well as follow-up treatment expenses incurred after getting discharged. The pre-hospitalization and post-hospitalization expenses are covered up to a fixed number of days as specified in the policy document.
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I am Healthy, and I Don't Need Medical Insurance
Despite taking good care of your health, there are numerous unforeseen circumstances, like seasonal illnesses, dengue, malaria, or an accident, that can hit anyone anytime. Nowadays, hospitalization expenses are not easy to pay off. Even 2 days of hospitalization would cost you somewhere between Rs 60,000 to Rs 1 lakh and even more (depending on the type of illness and hospital). A medical insurance plan provides financial assistance to pay for expensive hospitalization costs.
My Health Insurance will Cover all the Medical Expenses
As per the IRDAI regulations, all health insurance plans come with a set of exclusions/limitations. It is advised to check all the policy details and the coverage mentioned in the plan. The insurer will only compensate for the expenses that are covered in the policy and up to the sum insured limit.
Declaration of Pre-existing Diseases
It is essential to declare all your pre-existing diseases in the proposal form. You must mention pre-existing diseases clearly before buying a health insurance policy. Inadequate information can lead to rejection of the claim and can cost more than the expected amount.
Smokers are not Eligible to Buy a Health Insurance Plan
As per a survey, nearly 49% of the applicants who consume alcohol are perplexed to buy a health insurance policy. But there are health insurance companies that offer medical insurance coverage to them as well. Taking into consideration the risks, alcohol consumers, and smokers would need to undergo a stringent pre-medical examination and pay a higher premium to get health insurance coverage.
I am Covered Under a Group or Corporate Health Insurance Plan!
Most people rely on the health insurance plan that is provided by their employer. It is important to know that a group health insurance policy comes with a set of limitations. It will not offer coverage to your family members in most of the cases, the sum assured will not be sufficient, or it will not cover critical illnesses. Also, getting health insurance coverage after retirement or losing a job can prove to be an expensive affair.
Can I get a free trial before I purchase?
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Million Dollar Round Table award from LIC.

Jayaramu’s knowledge of all insurance products and his creativity & entrepreneurship which enabled in enrolling  more than 5000 Clients made Life Insurance Company to announce MDRT awards in Chennai Parry’s Zone. 

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MDRT Chennai 2023

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Top Term Insurance Policies

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Top Claims Settled

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Best Health Insurance 2022

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Sales Excellence Award

How to File a Health Insurance Claim??

If the treatment is availed in a network hospital or cashless hospital, then the policyholder will be eligible to avail cashless treatment services. Once the treatment is completed the insurance company settles the bill directly with the hospital.

Head office address:

211, Prakasam Salai Broadway, Chennai 600 108

Call for help:

Call Us: (91) 9500057437

Mail for information:

[email protected]
[email protected]