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About Health Insurance
Medical and surgical costs are covered by insurance as health insurance. In health insurance terms, a provider is a private clinic, hospital, doctor, laboratory, healthcare practitioner, or pharmacy that treats an individual. The insured is the health insurance policy’s owner or the person who has the health insurance coverage.
Depending on what sort of health insurance coverage you have, the insured pays up front and then is reimbursed, or the insurance company makes payments to the health care provider directly.
Benefits of Health Insurance
Cashless treatment
You can stop worrying about arranging funds for treatment with a cashless facility. You can visit any network hospital to access this benefit.
Pre and post hospitalisation expenses
These family health insurance policies include both pre and post hospitalisation charges.
Ambulance charges
Health insurance policies also include ambulance expenses for taking the policyholder to the hospital, if and when needed. Medical check-up
Medical Check-up
A healthy policy often includes covering the expenses of routines and periodic health check-ups. Certain insurance policy providers also provide free health checkups to their customers.
Income tax deductions
As per the Income Tax Act of 1961, you can get tax exemptions on premiums paid for managing health insurance policies.
Dedicated Health App
MAKS Finserv enables its policyholders to access their health insurance policy through dedicated MAKS Finserv.
What is covered?
Hospitalization Expenses
Just like every other health insurance plan, we also cover your hospitalization expenses such as room rent, ICU, investigations, surgery, doctor consultations etc due to illnesses and injuries seamlessly.
Mental Healthcare
We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses.
Pre & Post Hospitalisation
It means all your pre hospitalization expenses up to 60 days before the date of admission and post-hospitalization expenses up to 180 days after discharge from the hospital are covered.
Day Care Treatments
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.
Home Healthcare
Cashless Home Healthcare for medically necessary treatment of Illnesses, if prescribed by treating medical practitioner.
Sum Insured Rebound
This benefit adds to the Sum Insured, an amount equivalent to the claim amount, up to basic sum Insured, on subsequent Hospitalization.
Organ Donor Expenses
Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor while harvesting a major organ from the donor’s body.
Recovery Benefit
If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses. It helps to take care of other expenses during your hospitalization.
AYUSH Benefits
Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Preventive Health Check-Up
We care for your well-being and hence we offer preventive health check-up at renewal.
Lifelong Renewability
Once you get yourself secured with, our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.
Multiplier Benefit
If there is no claim in the first year, in the next policy year, the sum insured will grow by 50%. It means, instead of ₹ 5 Lakh, your sum insured would now stand at ₹ 7.5 Lakh for the second year.
What is not covered?
| Adventure Sport Injuries | Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports. |
| Self-Inflicted Injuries | If you ever end up causing injury to your precious self, then unfortunately our health insurance plan will not cover for self imposed injuries. |
| War | War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars. |
| Participation In Defence Operations | Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations. |
| Venereal Or Sexually Transmitted Diseases | We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases. |
| Treatment Of Obesity Or Cosmetic Surgery | Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan. |
How to Make Claim a MAKS Finserv Health Insurance Policy
For Cashless Claim
- Intimation
Fill up the pre-authorized form at the network hospital for cashless approval - Approval/Rejection
Once hospital intimates us, we send you the status update - Hospitalisation
Hospitalisation can be done on the basis of pre-authorized approval - Claim Settlement
At the time of discharge, we settle the claim directly with hospital
For Reimbursement Claim
- Hospitalisation
You need to pay the bills initially and preserve the original invoices - Register A Claim
Post hospital discharge send us all your invoices and treatment documents - Verification
We verify your claim related invoices and treatment documents - Claim Settlement
We send the approved claim amount to your bank account.
Contact MAKS Finserv Customer Care
If you are a new customer who is looking for information about the
MAKS Finserv Health insurance
- Visit our branch by finding us on Google
- SMS HELP to +91 9717708810
Frequently Asked Questions
Yes. You do need a personal health insurance plan as your employee health insurance covers medical expenses only till the time your employment in valid in the organization the moment you leave the job your policy term ends.
Yes. You can port your medical insurance policy with any other insurer without impacting your waiting periods.
