Knowledge of the Product

• A Health Policy advisor knows what he/she is selling. The terms and conditions of the health plan, its features, and services, advantages and disadvantages are very well known to this person.
• Professional health insurance advisor may not ask you to research the product individually.
• Mediclaim Insurance advisor may make efforts to acquire knowledge about similar other products and may guide a client with other aspects of the product as well.

The Link Between You And the Insurer

• Your Health insurance advisor is an important link between you and the insurance company.
• As a advisor is the best person who knows you as well as the terms of your insurance company in depth, he/she serves as a link between you two.
• Any concerns that you have, will be addressed by the advisor and any communication that the company needs to convey regarding health insurance plans in India will be done through the health insurance advisor.

Help in Health Insurance Claim Process

• When you buy an medical insurance policy, you are promised financial backup in the time of need. In terms of health plan, you are promised to be provided with financial help in case of a medical emergency.
• This is where a claim comes into the picture. You mediclaim advisor will help you in the claim process.

Individual Health Plan

This plan is intended to shield a whole family from unexpected medical expenses. This plan is basically for an individual person who wants a health cover for himself while a family person goes for an insurance policy which is made for the family which covers the policyholder, dependent children, spouse.

Critical Illness Insurance Plan

As the name suggests, it refers to the serious health condition which is fatal and affects a person's day-to-day routine. It covers heart attack, muscular dystrophy, permanent paralysis, cancer, kidney failure etc. It can be claimed once the policyholder is diagnosed with any such critical illness which is specified in the policy.

Health policy for Senior Citizen

This policy is basically for old people whose age is more than 60+ years. The expenses become difficult to manage with growing age. This policy helps to manage all the unexpected medical expenses, it helps them in leading a peaceful life.
The Insurance Regulatory and Development Authority (IRDAI) has mandated that 60-65 years is the minimum entry age bracket for senior citizen health insurance and granted lifetime renewability.

Maternity Health Insurance

One should be ready financially while expecting a baby. The doctor suggests checkups, consultations, follow-ups etc. The insurance generally covers:

• Treatment cost for childbirth complications
• Medical cover for infants diagnosed with a genetic disorder or any critical illness.
• Ambulance fee, room charge, delivery expense, and consultation fee.
• Pre-hospitalization expenses.
• Post-hospitalization