Hospital Cash Rider
Hospital stays come with extra costs—food, transportation, and daily essentials. This rider provides a fixed daily allowance for every day you're hospitalised, helping with out-of-pocket expenses.
What is Health Insurance?
Health insurance is your safety net against skyrocketing medical bills. Imagine falling sick or facing a sudden accident—without it, your savings could vanish in a snap! That’s where health insurance steps in. With health insurance plans, you’re covering your entire clan and yourself. Yes, family health insurance is the hero that protects your loved ones, too.
Key Highlights
Pre and Post-Hospitalisation Cover
It’s not just about hospital bills; your tests and follow-ups are covered, too.
Cashless Hospitalisation
You won't need to scramble for cash at a moment of need! Get treated without upfront payments at network hospitals.
Tax Benefits
Save significant money while safeguarding your health—an absolute win-win you can gush over!
No Claim Bonus
Stay healthy and get a bonus every claim-free year.
About us
Why Beema Company?
Regarding health insurance, Beema Company ticks all the right boxes! Their health insurance plans are designed to meet your needs-individual coverage or comprehensive health insurance plans for your family. They ensure your loved ones are protected with the best health insurance plans for your family.
Beema offers broad coverage, from hospitalisation to OPD, ensuring you never have to worry about unexpected medical bills. Their policies are transparent, with no hidden surprises. Whether you’re searching for the best health insurance policy or want customisable options, they’ve everything. Plus, they make the claims process a breeze with quick settlements and excellent customer support. So, why wait? With Beema Company, you’re not just getting health insurance-you’re getting peace of mind!
Types of Health Insurance
Maternity Plans
Designed for expectant parents, maternity insurance covers delivery, prenatal care, and sometimes newborn care, reducing financial stress during childbirth.
Senior Citizen Plans
Tailored for older individuals, these plans cover age-specific ailments and treatments, ensuring quality healthcare without burdening savings.
Critical Illness Plans
If diagnosed with major illnesses like cancer or heart disease, this plan provides a lump sum payout. It’s a useful add-on to handle high treatment costs.
Family Floater Plans
Instead of buying separate policies for each family member, a family floater plan covers the entire family under a single premium, offering shared coverage.
Indemnity Plans
These work on a reimbursement basis. You pay for hospitalisation, submit bills, and the insurer reimburses you. This is the classic health insurance model.
Super Top-Up Plans
These act as a financial cushion over your base policy. They cover expenses beyond a set deductible, even across multiple claims in a year.
Personal Accident Plans
Covers medical costs and disability due to accidents. In case of death, it provides financial support to the family.
Popular Plans
Popular Health Insurance Plans in India
Safeguard the financial security of your loved ones with our affordable term insurance plans.
NIVA BUPA
Plan Name: Aspire
Best Seller
Cover Amount
5L lakh
Cover Amount
10L lakh
- 100% Claim.
- 30% NCB carry forward.
- Accident 1 Day, Freshenless 30 Days, Pre-existing 2 Year PED waiting period.
- 60-180 Pre & Post cover.
- OPD Plan available.
CARE SUPREME
Plan Name: Care Supreme
Best Seller
Cover Amount
5L lakh
Cover Amount
10L lakh
- 100% Claim.
- 100% NCB carry forward.
- Initial wait period 30 Days, Freshenless 24 Month, Pre-existing 48 Month PED waiting period
- 60-180 Pre & Post cover
- OPD Plan not available
ABHI ACTIVE ONE
Plan Name: Active One
Best Seller
Cover Amount
5L lakh
Cover Amount
10L lakh
- 99.01% Claim.
- 10% NCB carry forward.
- Accident 1 Day, Freshenless 30 Days, Pre-existing 2 Year PED waiting period.
- 90-180 Pre & Post cover.
- OPD Plan not available.
TATA MADI CARE
Plan Name: Medi Care Plus
Best Seller
Cover Amount
5L lakh
Cover Amount
10L lakh
- 95.45% Claim.
- 50% NCB carry forward.
- Accident 1 Day, Freshenless 30 Days, Pre-existing 2 Year PED waiting period.
- 60-90 Pre & Post cover.
- OPD Plan available
Importance of Health Insurance
Health insurance isn’t just a luxury; it’s a lifesaver. Here are four solid reasons why you need it
01
Emergency coverage
Life throws curveballs—an accident, a sudden illness, or a medical emergency. With family health insurance in place, you can focus on recovery instead of worrying about the cost.
02
Financial protection
Medical bills can drain your savings faster than you think. Whether it’s a hospital stay, surgery, or ongoing medications, health insurance plans keep your wallet intact.
03
Tax benefits and preventive care
Here’s the cherry: most health insurance plans have tax benefits. They often include free health check-ups and diagnostic tests, helping you detect and prevent illnesses early.
04
Coverage for lifestyle diseases
With rising cases of diabetes, hypertension, and heart issues, having health insurance is more crucial than ever. These lifestyle diseases can lead to long-term medical expenses, but the right policy will support you.
Health
Plan Tips
5 Things to Keep in Mind While Opting for a Health Plan
New-Age Treatments
It’s not just about hospital bills; your tests and follow-ups are covered, too.
Inclusions & Exclusions
Read the fine print to avoid claim surprises. Know what's covered and what’s not.
Sub-limits
Check room rent, treatment, and disease-specific limits. Flexible plans are better.
Waiting Period
Look for shorter periods for pre-existing diseases and maternity benefits.
Buy Early
Lower premiums and better coverage come with early enrollment.
Riders
Top Health Insurance Riders in India
Health insurance is excellent, but Riders are that extra comfort of a hot coffee on a rainy day. Riders let you personalise your policy to suit your exact needs. Let me walk you through the most popular health insurance riders in India.
01
02
Critical Illness Cover
If diagnosed with severe conditions like cancer, stroke, or heart disease, this rider gives a lump sum payout to cover treatment, lifestyle changes, or income loss. For instance, a ₹10 lakh rider ensures you can focus on recovery instead of worrying about medical bills.
03
Room Rent Waiver
Health insurance policies often have room rent limits. This rider lets you choose any hospital room—private or deluxe—without worrying about restrictions. If your base policy covers only ₹5,000 per day for a twin-sharing room, this rider allows you to upgrade to a private room.
04
Reduction in Pre-Existing Disease (PED) Waiting Period
Waiting years to claim for pre-existing conditions like diabetes or hypertension can be frustrating. This rider reduces the waiting period from 4 to 2 years, letting you access benefits sooner.
05
OPD Rider
It covers outpatient costs like doctor visits, diagnostic tests, and medicines-expenses that don’t require hospitalisation. Even a simple cold check-up is covered.
06
Unlimited Sum Insured Restoration
If you use up your coverage, this rider restores the sum insured unlimited times a year, ensuring you’re never unprotected.
Insuranc Claims
Understanding Claim Settlement Process?
When it comes to health insurance, making a claim is straightforward. There are two ways to get your expenses covered—cashless and reimbursement. Let me break it down for you.
Cashless Claims
This is as smooth as it gets. You don’t have to pay upfront, as your health insurance plan settles the bill directly with the hospital. But there’s a catch-you must visit a network hospital.
-
Check if the hospital is part of your insurer’s network.
-
Inform your insurance company or TPA (Third Party Administrator) about the hospitalisation.
-
Fill out the cashless request form at the hospital.
-
After approval, your treatment starts, and your insurer covers the bills.
Reimbursement Claims
If you’re treated at a non-network hospital, you can still get reimbursed for your expenses. But here, you pay first and claim later.
-
Inform your insurer about the hospitalisation.
-
Collect all necessary documents-discharge summary, bills, prescriptions, etc.
-
Submit these documents with a completed claim form.
-
The insurer verifies the details and reimburses you.
Top Insurer wise Claim Ratios (%)
Health insurance claim settlement ratios (CSR) indicate the percentage of claims an insurer has settled relative to the total claims received within a specific period. A higher CSR often reflects an insurer's reliability in honouring claims. Below is a summary of CSRs for various health insurance companies in India:
| Insurance Company | Claim Settlement Ratio (%) |
|---|---|
| Aditya Birla Health Insurance Co. Ltd. | 95.61 |
| Care Health Insurance Ltd. | 92.61 |
| Niva Bupa Health Insurance Co. Ltd. | 91.93 |
| ManipalCigna Health Insurance Co. Ltd. | 88.54 |
| Star Health and Allied Insurance Co. Ltd. | 86.49 |
| The Oriental Insurance Co. Ltd. | 91.62 |
| National Insurance Co. Ltd. | 91.31 |
| United India Insurance Co. Ltd. | 91.10 |
| The New India Assurance Co. Ltd. | 90.73 |
FAQ's Claims
Common Reasons for Claim Rejection
Health insurance claims can be rejected for several reasons, including
Errors in patient details, provider information, or policy numbers.
Some treatments or procedures require prior approval.
Services from a provider not covered by the insurance plan.
The claim exceeds policy limits for the specific treatment.
The procedure or treatment is not included in the policy.
The insurer deems the procedure unnecessary based on policy guidelines.
Incorrect medical codes (ICD, CPT, HCPCS) can lead to rejections.
The same claim is submitted multiple times.
Claims must be filed within a specific timeframe.
If multiple insurance providers are involved, incorrect primary/secondary insurance details may cause rejection.
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