Health Insurance

Health insurance is a kind of insurance which offers medical coverage to the insured/policyholder for medical expenses incurred during a health emergency as a result of sickness or injury. A health insurance plan offers coverage for different medical expenses such as surgical, day-care, and critical illness. A health insurance plan act as financial backup to afford quality medical treatment at any point in your life. Inflation in the medical sector is making treatment/ surgery every costly. Also, a Sedentary way of living has caused a rise in lifestyle diseases with time taking treatments and results in hospitalisation. A health policy provides benefit of reimbursement of medical expenses or cashless treatment as mentioned in the policy. At RohiniCLS, We understand that there’s no “one size fits all” approach for health cover. The health insurance you own should be as individual as you are. Therefore we at RohiniCLS, we offer a range of add-ons and customisable cover options from over 20 plus health insurers to take care of you. In this way you can tailor the protection of your plan as per your healthcare needs.

Why do we need health insurance?

Health insurance has now become part and parcel of our life especially in this year where Covid-19 has impacted a major portion of the world, keeping in mind the ever increasing medical cost and diseases related to lifestyle amongst Indian. A medical emergency has no fixed time and can affect anyone financially as well as emotionally .There is no planning when it comes to illness but one can certainly be prepared when it comes to financial aspect. Therefore one of the best way to stay protected against such such uncertain health risk is to buy a health insurance as per your needs and requirement. Health insurance is a type of insurance coverage that typically pays for medical, surgical, prescription drug and sometimes dental expenses incurred by the insured. It also reimburses the insured for expenses incurred from illness or injury or pay them directly. Various types of health insurance plans is available in the market such as individual health insurance, family health insurance, critical illness insurance, etc. Buying an appropriate health insurance which suits your needs and requirement has become an intrinsic part of financial planning.

The pandemic

With COVID-19 soaring out of control and spine chilling stories of hospital experience and inflated hospital bills, the panic has spurred many people to consider health insurance seriously. This has eventually led to massive increase in the health insurance in just couple of months.

Changing Lifestyle

According to WHO, 60% of related factors to individual health and quality of life are correlated to lifestyle. Millions of people follow an unhealthy lifestyle. Hence, they suffer from illness, disability and even death. Problems like metabolic diseases, joint and skeletal problems, cardio-vascular diseases, hypertension, overweight, violence and so on, can also be caused by an unhealthy lifestyle. The relationship of lifestyle and health should be highly considered. Therefore there are plethora of reason to have a health insurance policy in first place.While following preventive measures can help combat the diseases, an unfortunate incident can be difficult to cope with, financially. Investment in a health plan that takes care of regular medical tests can keep you away from illnesses early and eventually make it easier to take care of medical expenses.

Employer cover is not sufficient

In case you already have health insurance provided to you by your employer then go through your policy and check exactly what it protects you against and how much coverage it offers. Majority of the time employee abstains from taking health insurance separately thinking they are completely covered under their respective employers. But we often neglect to consider the scenario where we change the jobs frequently and thus lose out majority of the benefits. Try Checking the amount of a week's hospitalisation for a normal illness and then compare it with your company's coverage. Mostly, this will end up paying you major portion of the amount from your pocket.

Inflation in Medical Expenses

With improvement related to technology in the field of medicines, there has also been an rise in the cost of treatment. However, such medical expenses is not limited to hospital and care centre as a massive rise is also seen cost for doctor's consultation, diagnosis tests, ambulance charges, operation theatre costs, medicines, room rent. And all such expenses can put a major hole in your pocket if you are not prepared. By contributing certain nominal amounts towards health insurance every year, you can get over such burdens of health inflation and thus prioritising quality treatment.

Insurance at young age

Insurance at young age proves to be beneficially in the long term. At 26 , a plan with a coverage of 5 lacs would cost you less than the plan of the same coverage at 35 and so on. So buying a health policy at a young age would considered the best investment. Plans are available at lower rates and that too with extensive coverage options when you are young and active.Majority of the policies contain a pre-existing waiting period which excludes coverage of pre-existing illnesses. However such pre-existing waiting period ends while you are still young, thus providing the benefits of exhaustive coverage which turns out beneficial if you fall ill later.

Why you should buy health insurance now?

Delay in eligibility due to Covid-19

A Covid-19 Infection can delay your health insurance by upto 6 months.

Benefits of Health Insurance Coverage

Medical Bills

Coverage against medicinal expenses incurred, including both pre and post hospitalization.

Pre-existing Diseases

The coverage for the pre-existing disease begin after the certain waiting period.

Claim reimbursement

The claim for reimbursement can be made if the policyholder opts for a hospital of his/her choice but which is a non-empanelled hospital. In such cases, the cashless claim facility cannot be used. However, during a claim reimbursement process, the insured/policyholder has to pay all his/her medical bills and other cost involved in such hospitalisation treatment process and then the claim is reimbursed.

Tax rebate

The annual Premium which is paid for health coverage are subject to tax exemption under the section 80D of ITA, 1961. Tax Exemption ranges from Rs. 25000 to Rs. Rs. 75000. However, such tax benefits are subject to changes in tax laws.

Other benefits

As a new feature of many insurer health policy plans, OPD expenses are now covered under various insurer plans and don’t require hospitalization for minimum 24 hours for reimbursement of the claim. Nowadays, standalone OPD plans are also available in the market.

Type of Health Insurance we offer

Family Health Insurance

Rs. 5 Lac Health Cover for your Family starting at Just Rs. 630/ Month.
Tax benefit up to Rs.75,000.
Saving upto 12.5% if chosen 2 Year Payment Plans.
10,000+ Happy Customer.

* All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

* Tax benefit is subject to changes in tax laws. Standard T&C Apply.

Documents required during health insurance claim submission

Health Insurance ID Card

All the consultation papers provided by the Doctor

Completely filled claim form

Investigation and Diagnosis reports such as CT scan, X-ray, blood reports etc.

Medico Legal Certficate (MLC) or/and FIR in case of an accident

Invoice from the pharmacy with their respective prescriptions

Discharge Summary

Claim Settlement

You can call us at 9310540557 or email us at customercare@rohinicls.co.in.

Make sure you keep all the relevant documents ready such as Insurance Policy, Etc.

Why you should buy two-wheeler Insurance from RohiniCLS

Over 20+ Leading General and standalone health Insurers to choose from

Lowest Premium Guaranteed

Easier Claim Settlement

Trusted Brand

Leading Insurance Agency

24/7 customer support even on national Holidays

Health Claim Settlement FAQ

What do you mean by claim ratio?

Claim ratio means total number of claims settled divided by total number of claims received.

When are the claims rejected?

Claims generally get rejected in 2 conditions:

1)if the customer attempts to claim during waiting period, or for an ailment which is not mentioned in the policy (example, cosmetic surgery, OPD claims or if there is permanent exclusions)

2) if the insured is making a fraudulent claim.

Why some insurers have higher claim ratio and other have lesser?

It all completely depends upon the nature of the claims each insurer received and their claims philosophy. Some companies such as Star Health, Care and Bajaj are very much client focused.

What to do if there is error in my policy?

You need to call on the insurance company’s toll free number which issued the policy. One of their customer care executive will guide you in getting an endorsement. After the request for an endorsement has been made, you insurance provider will rectify the discrepancies and will issue you a corrected health insurance.

Where should i read about the inclusions and exclusions of the policy

All exclusions and waiting period are mentioned in details in policy brochures.

What happen if i don’t renew my health insurance on time?

A policyholder will not get any benefits if the health insurance policy is not renewed on time i.e the insurance policy has expired . The insured then have to pay the medical expenses out of their pocket. Thus, it is very important that you keep an update regarding the expiry date of your medical insurance policy and renew your health insurance plan on time to enjoy uninterrupted protection.

Which factors determine the premium payable for health insurance?

The age and the amount of cover are the two factors that determine the premium under the health insurance. Majorly, younger people are healthier and thus pay lower premiums. Older people, on the other hand, pay a higher health insurance premium as their risk of health or illness issues are higher. Similarly, passive smokers and those who consume alcohol have higher premiums. Even the nature of your employment and your place of abode can influence the premium of your medical insurance policy.

What is covered under a health insurance policy?

Health insurance generally offers coverage for all the essential health benefits, including doctor's consultation fees, inpatient and outpatient expenses, while some of the insurance provider also provide coverage for pregnancy and childbirth-related expenses.

What are the documents which are required for buying a health insurance policy?

A valid proof of your identity, address, and age for purchasing a health insurance policy. You might have to undergo a pre-policy medical check up in case you are senior citizen. Note: you can always check on your insurance provider's website regarding the documents needed for buying a health insurance policy.

What are the maximum as well as minimum duration for health policy?

There are option to purchase health insurance plans either for 1 year, 2 years or 3 years. Also buying it for 2 or more years entitles you to get heavy discount.

How does smoking affect health insurance premiums?

The cost of health insurance is generally higher for those who are regular tobacco users. This is because smoking invites an individual for various health complications which include heart complications, hypertension, respiratory issues, cancer, etc. Although the number of tobacco users are higher for men, women who smoke are also prone to osteoporosis. Therefore, the health insurance premium are higher for tobacco users and smokers than those who do not smoke.