MORE Health Insurance Plan from Reliance Health Insurance

One of the best plan - Easy-to-choose, Easy-to-buy and Easy-to-use. MORE Health Insurance cover with three unique MORE benefits.

MORETime: This benefit gives you 13 months cover for a 12 month premium; or 26 months cover for a 24 month premium which means, you get one month free in a one year plan and two months free in a two years plan respectively

MORECover: This benefit gives you ₹ 2 lakh additional free cover on ₹ 5 lakh cover; or ₹ 3 lakh additional free cover on ₹ 10 lakh cover, that means your ₹ 5 Lakhs cover becomes ₹ 7 lakhs and ₹ 10 lakh cover becomes ₹ 13 lakhs respectively

MOREGlobal: This provides coverage for unexpected treatments required while travelling overseas.

More benefits cover by MORE Health Insurance Plan from Reliance Health Insurance

• Robotic Surgery

• Mental Illnesses

• Stem Cell therapy

• Restore Benefit

• Life long Renewal

• Pre and Post Hospitalisation

• Domiciliary Treatment

• Organ Donor Coverage

• Alternative Treatments

Visit Reliance Health Insurance website and buy health insurance policy online and enjoy 10% discount.

Which is the best health insurance policy for an individual?

The best health insurance policy for an individual will differ from person to person. Different factors like age, sex, location, income, and current risk diseases greatly affect in choosing the best insurance policy for you. However, in general, health insurance service providers in India offer great service at very competitive rates. So, here are our top 5 picks for the best insurance coverage for an individual in India.

• Religare Health Insurance

Religare Health Insurance provides one of the best plans for an individual’s needs in health coverage. Its special features include organ donor cover, domiciliary hospitalization, and second opinion cover. The plan also provides emergency ambulance cover (including air ambulance if necessary), global coverage, annual health check-ups and up to 150% no claim bonus. This health insurance is all-encompassing and very popular for individuals.

• Aditya Birla Health Insurance

When it comes to individual health insurance policy it does not get more comprehensive than Aditya Birla Health Insurance. This scheme covers everything from hospitalization to timely health check-ups. The policy also provides the opportunity to earn back up to 30% of your premiums as HealthReturns. Coverage for Ayurveda, Unani, Siddha, Yoga, Naturopathy, and Homeopathy systems are as well included.

• Reliance Health Insurance - MORE

Reliance Health Insurance – MORE health insurance is one of the most affordable health insurance plans that allows individuals with a wide range of options to choose from. It has a network of 4000 hospitals across India to avail cashless hospitalization and one as well avail reimbursement of both pre and post hospitalization expenses for over 60 days each. Also, at the end of each year and individual can claim-free year, a cumulative bonus of 33.33 percent on the basic sum assured at zero additional cost.

• Max Bhupa Health Companion

Max Bhupa Health Companion is another health insurance policy that is perfect for individual coverage. This health insurance promises cash approvals within 30 minutes. Other than this, it features limit hospital accommodation, no claim bonuses, and some useful and economical top-up options. It also offers discounts on 2-year policies. Its coverage, which includes hospitalizations, medication, and health check-ups, makes it a great policy for all the individuals.

• Apollo Munich Easy Health

The Apollo Munich Easy Health insurance offers individual health insurance under the name of Optima Restore. The scheme features an instant addition of 100% basic sum insured on the cover, on the first claim. Along with that the policy also offers complete coverage within 60 to 180 days of pre and post hospitalisation, up to 8% discount on premium renewal, medical expenses cover for all-day-care procedures and emergency air ambulance cover for life-threatening situations. Its comprehensive coverage and competitive rates make this policy a prime health insurance policy for individuals of all ages and gender.

Beyond the listed 5, there are of course several other health care policies that provide for individual needs relating to health. Look around online for different health plans that best suit your need. There are several online portals that let you pick and compare policies side-by-side so that you can find the best policy that suits your needs perfectly.

Cashless Health Insurance: Do's and Don'ts

A cashless health insurance involves a health insurance company directly settling your bills with the healthcare provider, which can either be a hospital or a nursing home. These kinds of insurance policies reduce the burden on the insured individual at the time of hospitalisation. The amount of total expenses that occur in the bill raised by the healthcare provider is directly settled by the cashless health insurance company through a Third-Party Administrator (TPA). The insured person can avail of the cashless facility with proper documentation at the time of admission.

Health insurance companies have tie-ups with various hospitals across the country. One can avail this facility at a hospital that falls under the health insurance company’s Preferred Provider Network. Cashless health insurance comes as a great help during medical emergencies. However, there are a few things that you need to keep in mind while you invest in cashless health insurance policies.

Do’s

•    Know about your policy: Read your policy documents carefully to know what is covered and what isn't. Make a list of healthcare providers that fall under the Preferred Provider Network of your health insurance company. The company’s website must mention all the hospitals under this network.

•    Be prepared: Keep all your health policy documents, IDs cards, etc. ready at a safe place so that they are easily accessible, in case of hospitalisation. You do not want to keep looking for them during the time of emergencies.

•    Maintain a decent contingency fund: Even if you get your cashless insurance approved, hospitals might ask you for a refundable deposit at the time of hospitalisation which can range somewhere between Rs.10000 to Rs.30000. keep in mind that these policies do not cover expenses like registration fees.

•    Fill the form properly: Make sure you fill all the details in your form carefully and mention your cell phone number and pre-authorisation request so that the Third-Party Administrator can contact you immediately.

•    Maintain a folder: During hospitalisation, keep all the medical reports, lab/diagnostics bills, etc. in a folder safely. You will be required to submit the same to the insurer after the claim.

Don’ts                                         

•    Planned hospitalisation: In the case of planned hospitalisation, do not wait for the very last moment. Send the cashless approval request in advance so that everything is ready before time.

•    Keep a copy of all the documents: Do not forget to keep a copy of all set of records, which include medical reports, diagnostic bills, etc. for later references.

•    Do not cover: Do not hide anything related to your health condition. It can hamper with your claim settlement.

•    Keep in mind your approved upper limit: Do not opt for facilities in the hospitals that exceed your approved upper limit.

•    Do not forget to renew your policy every year: This is one of the most important things that one needs to keep in mind when claiming cashless health insurance. Failing to do can terminate your medical insurance policy.