Medi-claim (Health Insurance) Policy in Vadodara
So one illness does not empty your savings.
A medi-claim policy pays hospital bills as the policy says. We help you and your family compare plans, fill in the form and understand what is covered before you buy.
- We do not lend. The bank decides
- We check your papers before the bank does
- We follow up until the bank answers
What is a medi-claim policy?
A medi-claim policy is health insurance. If you or your family member is admitted to a hospital, the insurance company pays the bill up to the cover amount, as the policy says. You can take a plan for yourself, or one plan for the whole family.
At a network hospital, the insurance company can pay the hospital directly. This is called cashless. At another hospital, you pay first and send the bills to the company to get the money back. This is called reimbursement.
Every policy has a waiting period for some illnesses, and some things are not covered. Always read these two parts before you buy.
How Jensi Finloan helps
- Explain health insurance in simple words
- Compare plans on cover, hospitals in the network and waiting period
- Check limits such as room rent and any part you must pay yourself
- Help you fill in the form and give your health details correctly
- Explain how a claim is made
- Help when it is time to renew
Details and papers we need
This is a general list. Your bank or insurance company will confirm the exact papers.
What we usually need
- PAN card and Aadhaar card
- Age proof and address proof of each member
- Health details of each member
- Nominee details
- Details of your earlier policy, if you are switching
- A medical test, for some plans
How it works
Five simple steps, from your first call to the bank's answer.
Call or message us
Tell us who needs cover and any health conditions.
We explain your options
We explain the kinds of plans in simple words.
We compare plans
We look at the cover, the hospitals, the waiting period and what is not covered.
You choose and we fill in the form
We help with the form. Please give your health details honestly.
The insurance company issues the policy
We keep you informed until your policy starts.
What to check before you buy
Ask these questions before you say yes to any plan. We go through them with you.
- Cover amount: is it enough for you and your family?
- Waiting period for older illnesses (pre-existing conditions)
- What is not covered (exclusions)
- Any limit on room rent, and any part you pay yourself (co-payment)
- Network hospitals near you in Vadodara
- Claim process: cashless or reimbursement, and the papers needed
Common questions
What does cashless mean?
At a network hospital, the insurance company pays the hospital directly. You pay only for things the policy does not cover.
What does reimbursement mean?
You pay the hospital first. Then you send the bills to the insurance company, and if the claim is approved you get the money back.
What is a waiting period?
It is a time after you buy the policy during which some illnesses are not covered. It is often longer for older illnesses. Check it before you buy.
How much cover do I need?
It depends on your family, your city and hospital costs. We talk about your needs and show a few options.
What should I tell the insurance company about my health?
Tell everything honestly. If something is hidden, a claim can be refused later. We help you fill in the form correctly.
Our other services
Jensi Finloan helps with 8 kinds of loans and insurance.
Talk to Mrugesh about your Medi-claim Policy
Send your details on WhatsApp or the enquiry form. Mrugesh will contact you. Office: 14 Sai Vihar Society, Waghodia Rd, near Sharnam, Char Rasta, Vadodara 390019.