Hi to everyone who is reading my post. I have taken a mediclaim policy last year november for 2Lakh SI for my parents. I have paid 17 thousand as premium amount.I have not claimed a single rupee as medical expenditure till date.My doubt is if I discontinue my policy will I get my premium amount back ?
if i have two medicalim policies one is of two lakhs and another is of one lakh fifty thousand, my total spending is three lakhs than is it possible to reimbersed remaining amount from the other insurance company.
Would like to know how good is this policy whether it works and whether it is accepted as cashless policy? Since the premium is very low I am really not sure of its goodness. Can anyone throw light on these policies?
For any policy, Please prefer any PSU (Public Sector Undertaking) company. May be you could go for The New India Assurance Co. Ltd. It is the leading company in General Insurance Sector since so many years. Private ones will rob you. Think again.
Travel by train and if you meet any accident then railways take care of your medical expenses. If you die, your dependend gets a job. This is the best way to reduce unemployment and living a life without mediclaim. Just travel in train and I can guarantee you will meet an accident on your 9th travel
I AM A MEDICLAIM POLICY HOLDER OF ORIENTAL INSURANCE COMPANY LTD. FROM LAST 12 YEARS. MY RECENT EXPERIENCE THAT INSURER AND TPA (RAKSHA TPA PVT.LTD) IS AVOIDING TO PAY MY LAWFUL CLAIM BY SAYING USELESS AND MEANINGLESS STATEMENTS. DONT BELIEVE THEM PLEASE.
Re: NO CLAIM ONLY PREMIUM
by SAMEER NIKALJE on Sep 15, 2010 01:43 AM
You may write a Grievance to the Insurance company in a letter alongwith all the photocopies of necessary and relevant documents. If still you are not redressed then you should go to the Ombudsman.
I had taken a mediclaim policy of Reliance General Insurance. for the last 4 years I used to pay the premium without any delay, and tillnow not yet claim a single penny. the policy which i had taken is for 1 lakh rupees for 3 members of my family and the last premium i had remitted is Rs 1500. When I went to renew my policy the concerned person has said that my premium has increased to Rs 15000/ and not the one which i had payed earlier. what suggession you had to help me to renew my policy at the old tariff. krishnadas
Re: Mediclaim
by Shailendra Ahuja on Sep 14, 2010 05:01 PM
MY FRIEND TAKE MEDICLAIM POLICY ONLY FROM UIIC. YOU WILL LOOSE IF TAKEN FROM PRIVATE BODIES.
Re: Mediclaim
by Raj K on Sep 14, 2010 04:38 PM
The amount they have said is enormous. contact their higher authorities and if that doesn't work, contact IRDA.
one of the worst healthcare is ttk and their subsidiary co, or associate group to whom insured is Ifko Tokyo Insuance , please ensure all readers make a note of the same and never get insured with IFKO Tokyo one of the worst insurance companies operating in india and ttk health care services also one of the worst company providing cashless treatment
Re: worst medical insurance policy is ttk healthcare
by SAMEER NIKALJE on Sep 15, 2010 01:38 AM
Dear Friend, you may enrich your knowledge of insurance policies and stop using wrong and hilarious terms by contacting me for any of your queries relating to mediclaim, etc. Iffco Tokyo is the Insurance company from which you would have bought your Mediclaim Policy and TTK Healthcare shall be your TPA for the said policy as per IRDA regulation 2000. 91-9869548742.
