Cashless Mediclaim Policy
A cashless mediclaim policy helps you stay stress-free even in difficult times. If covered under a cashless mediclaim policy, you will not be required to pay anything if the treatment availed is covered under the policy. The expenses will directly be paid at the hospital by the insurance company.
- Tax BenefitUp to 75000**
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*Standard Terms and Conditions Apply.
**Tax benefits are subject to changes in Income Tax Act.
Features of Cashless Mediclaim Insurance Policy
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FAQ About Cashless Mediclaim Policy
How does a cashless mediclaim policy help me?
Cashless mediclaim helps you deal with medical emergencies by paying for your hospital bills. In a cashless mediclaim policy, all the medical bills are directly settled by the insurance company provided the amount falls within the sum insured limit. This leaves the insured tension free.
Can I avail of cashless treatment in any hospital?
Every insurance company has tie-ups with hospitals that are known as network hospitals. You can avail cashless treatment only at the network hospitals. If you are hospitalised in a non-network hospital, then you will be required to pay the hospital bill out of your own pocket and later file a reimbursement claim to the insurer.
What all factors are responsible for affecting premiums paid towards cashless mediclaim policy?
Premiums paid towards cashless Mediclaim insurance are dependent upon several factors. Given below is the list of some major factors that can possibly affect the premium paid towards your cashless mediclaim policy:
- Pre-existing health conditions
- Self-destructive habits like drug abuse and alcohol
- Medical history of family
- Marital Status, and others
What is the meaning of ‘free-look period’ in cashless mediclaim policy?
A free look period is the time period given to the new policy buyers under a cashless Mediclaim policy in order to understand and agree with the terms and conditions mentioned in the policy document. In case, they disagree with some terms and conditions mentioned in the policy, then they can terminate it without requiring to pay any penalties. Generally, most of the cashless Mediclaim policy comes with a free look period of 15 days within this duration, a policyholder can cancel the policy if they disagree without any fines or penalties. However, it is important to mention the reason for cancellation of the insurance policy.
Are there any available tax benefits under the cashless Mediclaim policy?
Yes, as per the section 80D of the Income Tax Act, premiums that are paid towards cashless Mediclaim policy can be claimed as tax deductions. Premiums paid towards the insurance plans that offer coverage to self, spouse, children and parents are eligible for availing tax deductions.
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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - email@example.com ; Helpline number: 7551196989.
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