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30 FLAT SECONDS
There's no better way to put this, but the real answer is 'no'. With regulated pricing and premiums set by the IRDA, the prices you see here are the ones you see everywhere (lower prices elsewhere usually mean there's a possibility of hidden charges). The only difference? At Coverfox, we don't look for the cheapest price, we look for the right one.
Online payments can be a major hassle, but not with Coverfox. This is why you don’t need a Credit Card; you can make payments through just Net Banking or your ATM/Debit Card. Unfortunately, we can’t support cash on delivery or cheques, just because we want to keep it online and simple. We do allow for card-on-delivery payment though. But this only works in the case of customers with expired car insurance, where an inspection is required.
You'd get your policy before you finish reading this answer. It's THAT fast. Once you choose your product and make your payment, it’s sent to your inboxes right away. No hard copies, because we are also secret environmentalists. If by any chance there is a delay due to a medical check or an expired vehicle inspection, we promise that you’ll be informed in advance.
With our excellent Customer Service, we make sure that you never have to deal with the insurer personally. We make it that convenient. Our relationship with insurance companies ensures our dedication to every customer! In fact, we offer free claim assistance during emergencies to even those who may not have bought insurance policy from us. After all, Coverfox is simply a phone call away for anyone in need.
Here, we don’t take any sides (apart from yours) when it comes to insurers – in fact, we don’t even ask you for your contact details for comparing various products until you are convinced. You can say that we are always looking out for you – like the friend you call at 4 am - whether it’s finding you the perfect policy or making sure you get only the best deals, we are on your side. As an IRDA approved organization, we are as genuine as they can get.
This provides for the hospitalization expenses you might face in case of accidents, day-care procedures, surgical treatments or critical illnesses. However, the features, limits and sum assured will vary from insurer to insurer.
Similar to top-ups for mobile network services, this adds supplementary coverage to your existing health plan. The aim is to increase overall sum assured with its corresponding coverage by paying a relatively lower premium.
If you are admitted for treatment in a network or a non-network hospital for more than 24 hours.
Medical expenses including diagnostic reports, medicines etc. for the treatment you are hospitalized.
OPD treatments are not included, but procedures such as cataract and kidney stone removal are covered (even if they don't need 24-hour hospitalization).
For medical and other out-of-pocket costs in case of an accidental injury. In fact, this cover is active from the very first day of policy issuance.
The whole concept of insurance brokers revolves around offering essential insurance services to consumers on priority. Since they are licensed by the IRDA, brokers are liable to provide specific solutions as per your distinct requirements. They can be approached for unbiased and accurate advice.
Online insurance brokers, such as Coverfox.com, have a user-friendly interface and secure payment gateways, where even a newbie can access and purchase the insurance policy as per their requirement. And when they offer the facility to compare and choose with ease and simplicity, why look back?
For anything and everything related to your health insurance policy, you can contact your broker. They can easily help you manage your policy and handle the requests on your behalf while dealing with the insurance companies. Anything from changing the address to filing a claim—a phone call is all it'll take.
Brokers, like Coverfox, have a dedicated claims team that handle all claims-related concerns and questions of their customers. They are expert in everything— right from scrutinizing the required documentation for filing the claim to the final settlement. A guaranteed peace of mind for the customer.
Numerous health insurance companies offer multiple policies-each assuring better than the other. However, it's imperative to recognize that each policy has a different premium, covers different aspects, and are regulated by different policy provisions. With the number of options available, it’s unwise to settle for the first policy that comes your way. When you can secure the best deal at a lower premium with a bit of research and comparison, why not?
Selecting a suitable health plan to protect everyone in your family is not an easy task (Unless, you have been buying health insurance only to save on tax so far).
Thus, always compare health insurance plans on the basis of the following crucial factors:
Still Confused? Get the Experts to Help You Out
Assessing so many health insurance companies against numerous parameters can be as daunting and confusing as it sounds. If you are in a fix and cannot decide the best health insurance company for yourself, it is time to involve experts.
While there are a lot of health plans available in the market, we have collated a list of top insurance plans below:
|Health Insurance Plan||Age||Type of Plan||Sum Insured||Benefits|
|Religare Care Plan||Children 5 years|
Adults Min- 18 Years Max- No Age Limit
Family Floater Plan
|Rs. 2/3/4/5/7/10/15/20/25/50/60 Lakhs|
|Max Bupa Companion Health Insurance Policy||Children 91 Days|
Adults Min- 18 Years Max- No Age Limit.
Family Floater Plan
|Rs. 2 lakhs to Rs. 1 crore|
|Oriental Happy Family Floater Mediclaim Plan||Children 91 Days|
Adults Min- 18 Years Max: 65 years.
|Family Floater Plan||Silver: Rs. 1 lakh to Rs. 5 lakh, Gold: Rs. 6 lakh to Rs. 10 lakh|
|Senior Citizen Red Carpet Plan||Children- N/A|
Adults : 5 Years Min : 60 years Max: 75 years
Family Floater Plan
|Rs. 1 Lakh to Rs. 10 Lakh|
|iHealth Plan||Children in Individual Plan 3 Months- 23 Years|
Family Floater Plan Children- 6 years – 23 Years
Adults Individual Plan Above 18 Years
Adults Family Floater Plan Above 18 Years
Family Floater Plan
|Rs. 2 Lakh to Rs. 10 Lakh|
"My first experience with Coverfox was an absolute delight. Their positive response and effective actions changed my opinion of the entire insurance segment. Hope they keep it up!"
"What I’ll never stop being thankful for is the fact that my claim for total loss was settled in such less time. Thank you so much for all the support from your side!"
"Their prompt replies, seriousness about policy deliveries and commitment to their job are just some factors that make Coverfox shine through. But their complete transparency in their calls clearly is the icing on the cake!"
"Having been a customer for over a year, I feel relaxed as far as health insurance is concerned. Their customer service personnel guided me through each step of my process while helping me finding the best plan!"
What are the things to look for while choosing a health insurance plan?
While choosing a health insurance policy there are a few things which you should be consider:
Can I get a single health insurance floater policy which can cover my parents or in laws too?
Yes. There is health insurance plan like Heartbeat family first which covers 14 relations including in-laws and parents.
What are some of the important exclusions under a Mediclaim policy?
There are four important types of exclusions in a Mediclaim policy. These are:
Can I cancel my policy? If yes, will I get my premium back?
Yes you can cancel a policy after you buy it. A free look period of 15 days is provided to you after buying a policy to understand the terms and conditions. In case there is any objectionable clause, you can cancel the policy and get a refund. Stamp duty, expenses on medical check-up and proportionate risk premium (the number of days that the insurance company was at a risk of bearing your health expenses) would be calculated while the premium amount is refunded. Refer the policy termination or policy cancellation section in your policy wording to know the amount that would be refunded.
Note: For a refund, there shouldn't have been any claim during the policy period.
Does a health insurance plan cover maternity?
Health insurance policy is designed to cover unforeseen medical expenses, but a normal health insurance policy does not cover maternity expenses. Coverage for maternity expenses is one of the additional features offered by some of the health insurance plans at a higher premium and waiting period. To know more about maternity health insurance, please read more here.