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The onset of COVID-19 last year showed us the importance of good health. A consistent routine, balanced meals, and a holistic lifestyle are the markers of a healthy life. However, despite our efforts to maintain a stress-free life, sometimes life can get the better of us and throw a medical crisis our way.
Even though everything can move like clockwork, illnesses, accidents, and health problems are a possibility. And they can threaten the peaceful world you have worked hard to establish. To make sure your loved ones are secure, it is best to find good health insurance plans. Read on to know more.
What is Health or Mediclaim Insurance?
Health insurance, also known as mediclaim insurance, is a type of insurance that provides financial support to the buyer of health insurance. The person who buys mediclaim insurance can also get their family covered under it. Under mediclaim insurance, if the policyholder faces any medical emergency, they receive financial coverage for the same.
For instance, if they develop an illness or are at the end of an unforeseen accident, the mediclaim insurance covers hospitalization and recovery costs, among several other expenses. Or it gives them a lump-sum payout which helps them take care of medical costs. Policyholders can choose to have the insurer to settle their medical bills with cashless health insurance.
What Does a Mediclaim Policy Cover?
A mediclaim policy’s features can vary from insurer to insurer, but typically it covers the costs of:
However, a Mediclaim policy generally does not cover these instances:
What Documents Do You Require to Buy Health Insurance?
To buy health insurance, you will have to submit the following documents:
Identity and age proof like:
Address proof like:
You might also have to submit some medical reports if the insurer requires you to undergo mandatory medical testing. These reports inform the insurer about any underlying health issue or family medical history. Additionally, you might have to submit other documents if requested.
What is the Difference between Life and Health Insurance?
While health insurance covers you in the face of a medical emergency, life insurance protects your family against an unforeseen eventuality that affects your life or health. These include death, death due to an accident, and more. Under life insurance, your chosen family members receive guaranteed financial support in the form of a death benefit.
This death benefit is high in scope and intends to keep your cherished ones afloat despite your permanent absence. Apart from this, life insurance also provides immediate financial relief on instances that affect your ability to work and disrupt your family’s peace. These instances include critical and terminal illnesses, among others.
Moreover, between life and health insurance, life insurance plans are long-term (even up to 99 years of age), and health insurance plans are short-term (up to a maximum of three years). Ultimately, both aim to provide financial support in different forms.
Health insurance is crucial to protect you and your near and dear ones from eventualities beyond your control. There are various good health insurance plans available, and you can find a health plan suited to your needs. To know more about term plan, term insurance, and long term savings visit PNB MetLife website.
Whether you are trying to lose weight or making a shift towards a healthy life, understanding your BMI (Body Mass Index) is one of the first necessary steps you can make. The BMI calculator can indicate your body’s fat content based on your weight and height. Once you have a clear view of this, you can go through different health insurance plans on the PNB website and secure your future financially against the growing healthcare costs.
The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision.
PNB MetLife India Insurance Company Limited
Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka
IRDAI Registration number 117 | CIN U66010KA2001PLC028883
For more details on risk factors, please read the sales brochure and the terms and conditions of the policy, carefully before concluding the sale.
Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made thereto from time to time.
Please consult your tax consultant for more details.
Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time.
The marks "PNB" and "MetLife" are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
Call us Toll-free at 1-800-425-6969, Phone: 080-66006969, Website: www.pnbmetlife.com, Email: email@example.com or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203.
Beware of Spurious Phone Calls and Fictitious / Fraudulent Offers!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investments of premium. Public receiving such phone calls are requested to lodge a police complaint.
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As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at firstname.lastname@example.org or email@example.com. You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.
PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance Plans, Term Plan, Protection Plans, Long Term Savings Plans , Retirement Plans & Child Education Plan.