ARE YOU GOING TO TAKE MEDICLAIM POLICY?

 

§  Read the terms and conditions before signing the proposal form.

§  Do not leave any colum unfilled for the agent to fill as the wrong information may invalidate   your policy and responsibility will be yours.       

§  Inform the insurance company when you start your treatment.

§  Do not give vague replies to the administrative department of the hospital nursing home etc. when someone asks about the occurrence of your disease for the first time .Your mare saying ‘ for the the last two three years’ will make a note in your discharge summery  that you were suffering from that particular disease for the last three four years and at the time of claiming the expences from the insurance company, your disease will be considered pre-existing disease and insurance company will not approve your claim for not disclosing the fact of your disease prior to taking insurance.

§  Make difference between the disease and symptoms of disease. Symtoms do not always lead to the disease you thought it is .Existence of disease is established only when some doctor prescribes.

§  Renew your policy prior to expiry of the date. If you avail grace period, your policy will be treated as a fresh policy and not the renewed one In case of renewal, your prior statement /information given  at the time of filling the  proposal form for the first time will hold good but if it is treated as a freshpolicy  your any statement given in the fist instance if  is found wrong, you will loose your policy benefit.

 

Are you going to be hospitalized for treatment?

 

§  Make note of the treating doctor,medicines prescribed and tests conducted. Check and ask for the test reports ,x-ray extra.

§  Ask for the possible risks or any side effects before undergoing any operation or before the anesthesia is administered on you.

§  Ask for money receipt for every payment made.

§  Ask for discharge summery before leaving the hospital whether your treatment is over or you are referred to some other hospital/nursing home.

§  If you have opted for relieve from the hospital on your own, risk for any unpleasant development will be yours.Hence get releaved at doctors advise.

 

 Are you going to file a case before the consumer forum for medical negligence?

 

§  Check whether you have obtained discharge summery from the hospital.

§  Do you have any medical opinion or medical literature to prove that wrong treatment has been given by the doctor which has caused damage to your body

§  If any operation has caused disability to your body by any manner,had the doctor explained you of such risk prior to the operation .Had  you or your relatives given consent for the operation.

§  Has the payment for your treatment been given by you or your employer or insurance company or any cheritable trust to the treating doctor / hospital / nursing home.If you are a pensioner ,have you taken the treatment from the hospital on the penal in your health scheme.

-

 

Next