Health Insurance : Problems & Solutions

 

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email :  m.s.media.presentation@gmail.com
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e - feature theme blog magazine page, around our Health Insurance
under the aegis of EDRF. New Delhi.


Health Insurance : Problems & Solutions.
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Legal Umbrella.
Sarsij Naynam ( Advocate. High Court New Delhi)
Rajnish Kumar ( Advocate. Patna High Court)
Ravi Raman ( Advocate)
Dinesh Kumar ( Advocate)
Sushil Kumar ( Advocate)
Seema Kumari ( Advocate)
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Credit.Page. 
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Custodian.
Chiranjeev Nath Sinha. A.D.S.P Lucknow.
Captain Ajay Swaroop ( Retd. Indian Navy). Dehradoon.
D.S.P. ( Retd.) Raj Kumar Karan.
D.S.P. ( Retd.) Vijay Shankar

 
Observer / Readers.
Prem Sagar. Marketing Manger PNB RO Office. Nalanda.
Sashi Bhushan Kumar. Sr. Branch Manager. Oriental  Insurance. Nalanda.
Naushad. Development Officer. Star Health Insurance. Dhanbad.
Kamlesh Kumar Srivastava. Agent. Dhanbad.
Gautam. Divisional Manger Star Health Insurance. Gaya.
Abhishek. Sr. Relationship Manger. Star Health Insurance. Gaya.
Sarang. Star Health Insurance. Gaya.
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Writer : Dr. Madhup Raman. ( Financial Advisor ) 
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Glossary  : Page.1
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Term Plan : A term insurance plan provides nominees of the policy with a lump sum amount as the death benefit, in the event of the insured's death, during the term of the policy. All Term insurance plans and insurance companies are regulated under the Insurance Regulatory and Development Authority of India (IRDAI).
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Questions  : Answers. Page 2.
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Problem : Can I avail the facility of portability of my PNB - Oriental Mediclaim Policy -2017. Group Health Insurance Product ( Policy for Bank Account Holders of PNB only) in Star Health Insurance?
Answer : Yes it can be changed to group health policy of PNB Star Health Insurance. Naushad. Development Officer. Star Health Insurance Dhanbad. 
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Problems : Tips. Page 3.
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How to get  renewal the Health Premium PNB Oriental to PNB Star Health Insurance.
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Step 1 : Simply go to Oriental Insurance Office 
Step 2 : Give the Account Payee Check payable to Oriental Insurance.
Step 3 : It will be renewed.

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How to get Portability from PNB - Oriental Mediclaim Policy - 2017 to PNB Star Health Insurance.
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All Health policies come under the IRDA. And you can avail the facility of 80 D in your tax rebate. Like in Mobile Service we can port our numbers to other service providers similarly we can also enjoy the facility of portability of Health Insurance from one company to another.
As my policy stood for Group Policy offering for Bank Customer. I go for the portability in PNB
Star Health Insurance.
IRDA requires 45 days before but possibility as per experiences of agent  are that it can be renewed within 12 to 15 days. Let  us check.
Step 1 : Share  the latest Health Insurance Policy Paper to Agent.
Step 2 : Share the back 3 years Health Insurance Policy Paper to your authenticated Agent.
Step 3 : Always deposit  the  only crossed Account Payee  Cheque to Star Health and Allied ins.co.ltd 
Payable to A/C 2543002100217872 or whichsoever provided.
Step 4 : Get the M Number or TID Number ( Transaction ID Number) for the necessary process of portability will begin after that.
Step 5 : As it is claimed that I am a PNB Account Holder having a policy PNB - Oriental Mediclaim Policy -2017 : Group Health Insurance Product ( Policy for Bank Account Holders  only ) UIN : OICHLGP 18074V011718 
my 5 to 6  years back family floater policy may be ported to the next with all prevailed existing facilities which I had earlier. 
Step 6 : The Document of Aadhar and Pan of first Applicant and for Second Applicant whose age is above 45 Pan is required for processing. And the third applicant whose age is less than no document is required. 
Step 7 : Proposal farm is sent to under writer to Back Office Star Insurance Head Office Lucknow.
Step 8 : Accepted Proposal Farm is checked then it is decided for issuance of successful portability..
Step 9 : Then it gets reflected in the system.
Step 10 : If it is rejected then operational officer claim for the refund it comes back to that Account 
Silent Feature : 
a. Health Check Up
b. Auto Recharge Benefit
c. No claim Bonus.
d. Co Payment.
e. Top up Facility.
f. Cashless Facility
Required Documents: 

a. Pan & Aadhar of the First person.
b. Pan of the Second Person whose age is above 45 years.
c. Documents of previous existing policy for at least 3 years back so each and every information is reflected and known to the next. 
 
Authorized Numbers for Agents for Star health Insurance Gaya.
a. Abhishek. Office : Nagmatiya Road, Gaya. Mob No - 9110125277. 
b. Sumit. Office : Gaura Garh, Biharsharif. Mob No -  6204196131 
tagged for PNB Star Health Insurance.

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How to get  Portability from PNB Oriental to PNB Care Health Insurance .
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How to get  Reimbursement facility from Star Health Insurance .
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Step 1 : The Customers are given a cashless card which has the toll free no as 1800 425 2255 / 18001038318 / 04428263300.
Step 2 : Ring that number and ask about the Hospital which is enlisted or not. And properly inform that you are going to avail the facility of the Hospital.
The Customer Care will ask your ID No and Hospital Address. Admission date and Discharge Date, Treatment etc.
He will give you the Claim ID then after that you can treck the claim.
Step : Claim within 15 days. 
Step 3 : If it is enlisted then go with your cash less card and avail facility.
Step 4 : If your hospital is not enlisted then go for having a Check list for reimbursement
Step 5 : a. Claim from Part A filled and 
Part B dully signed and stamp from Hospital.
If Accidental - Self Declaration required.
If Cataract - IOL Sticker.
b. Authorization Letter Mandatory ( NOC Letter)
c. First consultancy Report.
d. Discloser or Discharge Summary Report. 
e. Final Bill with Payment  receipt ( Original )
f.  Medicine Bills ( Original )
g. Pathology Bills ( Original )
h. Pathology Report ( Original )
i. Radiology Report and Films (Original )
j. Cancel Cheque.
k. Patient ID Proof. ( Aadhar / PAN)
l. Proposer ID Proof ( PAN)

Discharge Summary Report.

Star Health Insurance Part A .filled.

Star Health Insurance Part B .filled.


Status of Intimation Number 
CIG/2023/231214/0941628.
Problems : Query Pending
Kindly submit the letter from treating doctor stating the exact duration of refractive error the exact duration of refractive error and other comorbities (साथ में गंभीर बीमारी होना ) ,1st consultation papers,investigation reports,any previous similar admission, icps
Response awaited.
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Credits.Page.9 
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Patron.
D.S.P. ( Retd.) Raj Kumar Karan.
D.S.P. ( Retd.) Vijay Shankar
Dr. Shibli Nomani . D.S.P. Biharsharif.
Vinod Kumar. D.S.P. Biharsharif.
Dr. Raj Kishore Prasad. Sr. Consultant Orthopaedician.
Col. Satish Kumar Sinha. Retd. Hyderabad.
Anoop Kumar Sinha. Entrepreneur. New Delhi.
Dr. Prashant. Health Officer Gujrat.
Dr. Bhwana. Prof. Department of Geography.
Dr. Suniti Sinha. M.B.B.S. M.S.( OBS Gyn.)
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Clips Editors. 
Manvendra Kumar. Live India News 24.
Kumar Saurabh. Public Vibe
Er. Shiv Kumar. Reporter. India TV 
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Stringers. Abroad
 Shilpi Lal. USA.
Rishi Kishore. Canada.
Kunal Sinha. Kubait.
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Visitors.
Kumar Aashish. S.P. Kishanganj
Satya Prakash Mishra. S.P
Anil Kumar Jain. Colummnist. Ajmer
Anshima Singh. Educationist.
Dr. Shyam Narayan. MD. Physician
Dr. Ajay Kumar. Eye Specialist.
Dr. Faizal. M.B.B.S. Health Officer.
Dr. Arvind Kumar. Prof. HOD Botany. TNV Bhagalpur.
Dr. Tejpal Singh. Prof. Nainital.
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