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KOTAK LIFE , EXIDE LIFE & HDFC LIFE as a Branch manager. Best senior citizen health insurance policy in tamil | low premium health insurance | mediclaim 2022 NIVAS NARASIMHAN
senior citizen health insurance scheme


in this video we will be covering about
SENIOR CITIZEN HEALTH INSURANCE POLICY for indians and NRI's.
NRI's parents might be here in india without sufficient cover.
its always better to have a sufficient cover. if we dont have sufficient cover, in case of
unexpected medical treatment of heart surgery or cancer, the medical cost will be 5lakhs to 20lakhs.
Then we have to spend from our investments. so have sufficient medical cove r.
if you have an existing policy, you can do portability to other insurer or increase it in the same company.
for indians, who are looking for a good senior citizen policy, here is the solution.
i have shared the details of 4insurance company features
HDFC ERGO MY SURAKSHA GOLD SMART POLICY
MAX BUPA HEALTH COMPANION
MANIPAL CIGNA Pro healthprotect
STAR HEALTH INSURANCE RED CARPET POLICY
i have considered PREMIUM for 2ADULTS above 65years of age
These policies comes up with LIFELONG RENEWAL. No restrictions on age at entry. Even at age 75 to 80 you take fresh policy.




we have covered the below details.
1. PORTABILITY RULES
2. PREMIUM FAIR
3. CO-PAY
4. CASHLESS HOSPITAL LIST
5. SUB LIMITS
6. PRE-EXISTING ILLNESS COVER


Portability of Health Insurance


When you change your health insurance policy from one insurance company to another, you don’t have to lose the benefits you have accumulated.
In the past in health insurance policies, such a move resulted in your losing benefits like the waiting period for covering "Pre-existing Diseases". #cashlesshealthinsurancepolicy


Now IRDA protects you by giving you the right to port your policy to any other insurer of your choice. It has laid down that your new insurer “shall allow for credit gained by the insured for pre-existing condition(s) in terms of waiting period”.
This applies not only when you move from one insurer to another but also from one plan to another with the same insurer.


Rights

You can port your policy from and to any general insurance company or specialised health insurance company
You can port any individual/ family policies
Your new insurer has to give you the credit relating to waiting period for pre-existing conditions that you have gained with the old insurer
Your new insurer has to insure you at least up to the sum insured under the old policy
The two insurers should complete the porting as per the timelines prescribed in the IRDA (Protection of Policyholders’ Interests) Regulations and guidelines
Conditions
You can port the policy only at the juncture of renewal. That is, the new insurance period will be with the new insurance company
Apart from the waiting period credit, all other terms of the new policy including the premium are at the discretion of the new insurance company
At least 45 days before your renewal is due you have to
Write to your old insurance company requesting a shift
Specify company to which you want to shift the policy
Renew your policy without a break (there is a 30 day grace period if porting is under process)
IRDA Facilitation
IRDA has created a web-based facility to get and maintain data about all health insurance policies issued by insurance companies to individuals so that it can be accessed by the new company to which a policyholder wishes to port his policy.
This enables the new insurer to obtain data on history of health insurance of the policyholder wishing to port his policy.


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#MAXBUPAHEALTHCOMPANION
#MANIPALCIGNAProhealthprotect
#STARHEALTHINSURANCEREDCARPET
#mysuraksha #redcarpet #intamil #besthealthinsurancein2021forparents