Both Mediclaim and health insurance policy or critical illness insurance plans refers to emergencies related to ones health. But the health insurance plans offer better benefits as compared to a Mediclaim policy.

If you have a Mediclaim policy and think that it is the same as having a healthcare insurance critical illness insurance plans, then look into it deeper. This is a common mistake that most of the first time insurance buyers tend to do.

What Is Mediclaim Policy

The Mediclaim policy covers the hospitalization and treatment costs that one has to bear towards a disease or an illness that is predetermined. The premium of the policy has to be paid annually and the premium amount is decided based on what the sum assured amount of the policy is.

Does Mediclaim Allow For Cashless Settlement Facility?

Yes you can avail the cashless facility even with a Mediclaim policy provided you are getting treated in one of the partner hospitals. If the hospital is a non-partner then you will have to show the bills at the time of settlement. This is however similar to claiming when you have a health insurance too.

How Is The Mediclaim Policy Different From The Health Insurance ?

The health insurance policy as well as the Mediclaim policy covers the hospitalization expenses but the health insurance offers a more comprehensive coverage. The health insurance coverage plan that they offer is also very extensive. You can also enjoy additional benefits when you take a health insurance policy like ambulance services or if there is a loss of your income when you are sick.

Tenure Of The Mediclaim And The Health Insurance Policies Critical Illness Insurance Plans

The Mediclaim policy falls under the category of a general insurance policy and this policy has to be renewed annually. The health insurance policy on the other hand is offered for more number of years. The premium amount of the Mediclaim policy can change each year but that of the health insurance policy stays the same.

Is Critical Illness Covered Under A Mediclaim Policy?

No, critical illness is not covered under a Mediclaim policy. The sum assure of a Mediclaim policy is lower and mostly limited to 5 lakhs. This means that critical illness coverage cannot be provided by these policies because of the high expense that it incurs. Those who have a health insurance can take a critical illness rider. A health insurance plan critical illness insurance plans also offers the choice of a higher sum assured say around 30 lakhs.

Claiming Process Under A Mediclaim And A Health Insurance Plan

If you have a Mediclaim policy then you can make any number of claims till the complete sum assured amount is used up. However when you want to claim under the health insurance critical illness insurance plans then the insurance company transfers the complete amount in one go. Thus you cannot keep claiming till the policy tenure ends.

Is Mediclaim Or Health Insurance Policy Better?

This is a personal choice. A number of people buy a Mediclaim policy, benefits of Mediclaim policy because of the lower premium amount. This is a mistake as per the experts but again it is better to have some coverage than no coverage at all.

Health insurance critical illness insurance plans offer comprehensive coverage and it gives the policyholder a number of benefits. But if you think that you cannot afford a health insurance then you are better off with a Mediclaim policy.

However if you have Mediclaim policy then you could also a buy a health insurance critical illness insurance plans. This means that you can use up the Mediclaim policy for any minor hospitalization and use the health insurance amount to settle a huge medical bill.

Which Policy Should You Buy For Your Health Expenses – Mediclaim Or Health Insurance?

If you are still confused between which policy is the most suited for you, then decide based on the following points:

Health Insurance Plans

• • This is a comprehensive policy which means that it does not just pay for your hospitalization but also the post hospitalization expenses
  • The policy covers critical illness as well. The critical illness is a rider and has to be purchased as an add on to the original health insurance policy
  • What critical illness is covered is based on the insurance companies discretion .So it is important that you read it once before buying the a rider
  • You may be eligible for discounts when you go for a renewal

Mediclaim Policy

• • The Mediclaim policy provides only hospitalization expense coverage and in case of an accident or any specific illness
  • The policy will not cover any other hospitalization charges or offer any critical illness cover

Conclusion- 

It is important that you understand the pros and cons and the difference between Mediclaim and health insurance before buying a Mediclaim or health insurance plan . The only reason why one may buy a Mediclaim policy is because it is priced cheaper. But also understand that the coverage is less in the case of a Mediclaim policy.

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Health can be maintained through some workout and following some food habits which can boost the muscle power. There are certain foods that are necessary for the brain health, be the regular user of brain food, these things should be adopted as soon as possible. Here we have tried to write some must follow health tips.

1. As the first tip, one should avoid refined oils, flour based foods. This is the time to redefine the eating habits so that the intake of processed foods could be minimized. Such foods are devoid of any real nutritional content so must be stopped or at least should be minimized right now. This is one of the most fundamental health tips to be adopted.
2. Take some fish oils which may help combat depression, heart disease, and type 2 diabetes.
3. Take green tea, which is full of powerful antioxidants, rich in catechins (antioxidants which fight and may help prevent cell damage). Due to its high amount of antioxidants necessary to fight with the current environment full of pollution, it is must to adopt in your daily life and included in fundamental health tips.
4. Take little sun shine to boost your body’s vitamin D levels. 15-20 minutes of sunlight daily is sufficient, don’t avoid it from your life as one of the most important health tips.
5. Don’t overeat.
6. At least 20-30 minutes of high-intensity exercise three times per week is must.
7. Take proper sleep of 6-8 hours at least, sound sleep and relaxed body ensures feeling your best, maintaining good health, promoting a healthy body weight, and reducing the signs of aging.
8. Make good circle of friends, which can boost your social status. Having a good dose of social support can help ward off depression and heart disease.
9. Take enough water at least 4-6 liters a day, hydrated body ensures quality in life. Stay hydrated with the right beverages. Choose clear water more regularly to detoxify your system and make sure you cleanse waste from the body.
10. Take vegetables regularly in your diet.
11. Say no to processed foods as they tend to load your system up with toxins and may lead to disease over time, take natural forms of protein.
12. Meditation is more than just a great way to reduce stress. Devote 10-15 minutes per day to sitting quietly to meditate or simply be with your own thoughts. In the busy pace of life, taking time to just be still is essential. One of the most important habit to get fit and included in must-read health tips.
13. Avoid often medications, avoid over-the-counter drugs for minor aches and pains.
14. Start your day with balanced breakfast and smoothies. They are the blend of all three macronutrients—proteins, carbohydrates, and dietary fats.
15. Take berries and nuts, they are loaded with antioxidants, fiber, and vitamins, berries are among the healthiest fruits you can consume. Blueberries and raspberries are particularly packed with free radical fighters, but any berry can make a great addition to your daily diet plan.
16. Take all colors of fruits and vegetables, diet that’s rich in colorful, nutrient-dense fruits and vegetables helps ensure that you take in a full spectrum of vitamins and minerals.
17. Fish is one of the healthiest protein sources you can add to your diet, they are good source of omega-3.
18. Walk more, take stairs than lifts.
19. Take part in activities such as gardening, home cleaning and social welfare works.
20. As per “American Society for Clinical Nutrition,” study, a diet rich in foods with a low glycemic index is one of the best ways to promote a lower risk of heart disease. Add plenty of fresh fruits, vegetables, whole grains, beans, lentils, and nuts into your diet rather than refined carbohydrate choices.
21. Do strength-based exercises into your routine for positive rewards.
22. Olive oil is light tasting and versatile, add it into your diet as it is great source of monounsaturated fatty acids and antioxidants that may help lower your risk of cancer and heart disease.
23. Don’t diet, stay moderate and take balanced foods. Fasting fortnightly is good.
24. Keep annual record of your weight and analyze it.
25. Read good books on health and fitness.
26. Be happy and keep others happy, laugh as you can and start your day with the laugh as Laughter is an excellent mood booster.
27. Improve your body posture, stand straight and sit straight. Poor posture can increase suffering and may cause neck and shoulder pain, leading to tension headaches. They are the must followed in basic health tips.
28. Read regularly which improves concentration power and increases your knowledge. Keep your mind young with the daily doses of right information.
29. Inspire others and get inspired from others. Effort should be to keep learning all the time. The minute you stop learning is the minute you accelerate the process of aging. A young mind is one that has a never-ending thirst for knowledge. Keep your mind sharp. Consider learning another language, taking up an instrument, or sitting down with the Sunday crossword. Then go exercise.
30. Avoid caffeine related products such as coffee and soft drinks. Taking 2 cups of coffee a day is good but more than that is a risk.
31. Try to go vegetarian, it may boost your nutrient intake, promote greater feelings of satiety, help banish hunger, and improve weight loss.
32. Control your hunger with Nuts as they are fantastic snacks to have throughout the day. They are rich in healthy fats, contain a good dose of dietary fiber, and will help you stay satiated.
33. Take dark chocolates as it has high flavonoids concentrations that can help your health.
34. Do stretching, as it increases flexibility, and improves circulation, balance, and coordination.
35. Avoid sugars but don’t replace it with artificial sweeteners.
36. Take green leafy vegetables in your diet such as kale, spinach, and broccoli. They’re loaded with antioxidants, fiber and the vitamins K, C, and A. Kale contains more iron than beef. Plus, these power veggies come virtually calorie-free.
37. Do some cardiovascular exercises, follow weight loss tips, do regular walk and exercises, no matter at what age you are in. Foremost and important thing in your daily must followed health tips.
38. Don’t take water after meals for at least one hour. Rather you can take some water in between the meals.
39. Improve gut health, eat probiotic foods such as live yogurt and sauerkraut. Take probiotic supplements, take fiber in your diet. Fiber functions as fuel for the gut bacteria.
40. Don’t take high fried or overcooked food as it lead to the formation of harmful compounds that raise the risk of cancer.

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