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CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
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| Scope | Mediclaim | Fixed benefit health insurance |
|---|---|---|
Basic coverage | A mediclaim plan offers basic coverage such as hospitalization, accident-related treatment and pre-decided illness for a pre-specified time. | A fixed benefit health insurance plan offers specific coverage such as critical illness coverage, personal accident cover,hospital cash policy. |
Add-on coverage | Does not offer any add-on coverage. | Further add-ons can be added such as senior citizen plans, indemnity cover, independent covers, top up plans etc. |
Features | Features of a mediclaim plan vary from plan to plan and insurance provider. | Mostly, the features and benefits of such plans for a specified sum insured are the same over most insurance providers. |
Flexibility | It provides only basic coverage as mentioned early. No flexibility as such. | This plan is so flexible that you can change your policy period, or lower the premium rates after a specified period. It is suggested to avail long term policies to enjoy maximum insurance benefits. |
Sum assured | Upto 5 Lakhs Rupees of sum assured for a medical insurance plan. | Upto 6 crore rupees per year of sum assured can be availed because of its extensive coverage. |
Claims | Claims can be made up to the total sum assured till it's exhaustion. | This policy will pay lump sum only in case of surgery. But such claims can only be made once during the entire policy tenure. Apart from this, you can file claims as long as your sum insured is not exhausted. |
Critical Illness coverage | No coverage for critical illness. | Provides coverage for more than 35+ critical illnesses such as cancer, organ failure, paralysis etc. |
Hospitalization | It is crucial to get hospitalized for mediclaim. | Not needed to get hospitalized to avail policy benefits. |
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Credit repair involves rebuilding your credit health to a level where you become eligible for loans.
A credit report is a history of your credit behaviour and contains detailed information on all your loan and credit
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