MediBuddy App – Now Revamped and Updated!

MediBuddy App – Now Revamped and Updated!

MediBuddy App – Now Revamped and Updated!

You already know about the MediBuddy App – your trusted Health and Wellness mobile application. In our effort to constantly improve your user experience, we have revamped and updated the entire application and have also incorporated a host of new features curated meticulously with you – the user, in mind. This update will give you both – an absolutely seamless browsing experience and access to our latest healthcare monitoring features, which you can use to effectively manage and track the daily status of your health.

Here’s what’s new:

  • State of the art Health Tracker: Right on the home screen as soon as you login with your registered credentials, you will be able to see our latest Health Tracker in a running tile format. With this feature you can track your Daily Water Consumption, Steps Taken, Calories Burnt, Body Weight and Blood Pressure Fluctuation. The tracker is integrated with Google Fit as well!
  • Offers Widget: Below the Health Tracker, you have a personalized Offers Widget which will regularly display the latest offers and current discounts that you can avail on our range of offerings. The widget displays exclusive recommendations based on your previous usage history and choices.
  • Reminders Setting: We know how hectic your lifestyle can get. With that in mind, we have designed a Reminders feature which you can use to remind you at set intervals to consume food, stay hydrated, go for a workout, take a power walk and regularly record your weight.
  • Easy Access Feature: Right below the Offers Widget, you can access all the following features on your app home screen directly with a single click : Book a Doctor’s Consultation, Order Medicines, Get e-Card Details and View Policy Details.
  • Wellness Tab: The new Wellness Tab now gets you direct access to help Create a new Appointment, View all your previous appointments and also Manage all your registered Beneficiaries.
  • Insurance Tab: Clicking on the Insurance Tab will give you access to all your insurance management options that include: Tracking your Claims in real time, Getting your e-Cards, Viewing all your Policy details, Finding the nearest Network Hospitals, Opting for eCashless where you can get cashless treatment for planned hospitalizations, Intimating your hospital about upcoming Reimbursements and also Submitting Reimbursements that were incurred  from your earlier hospitalization expenses.
  • Records Option: Within the Account Tab, you now have a Records option, where you can view all your Health and Policy records in one place. Also included are the important Forms and Guidelines that you may be needing to refer to in case of any queries during your procedures.
  • MediBuddy Button: Right on your home screen, you can see the new MediBuddy button which can connect you to all your health care needs in one single click, quite literally! Clicking on the MediBuddy button will give you the option to Book a Health Check, Order Medicines online, Book a Consultation, Book specialized Lab Tests, Request for Home Health Care, Avail Dental Services, Ask for a Tele Consultation, Consult a Second Opinion and even Request a detailed Genome Study – all from the comfort of your home or office via your mobile phone! 

The MediBuddy Mobile App is the first app to bring forth an exclusive combination of both; Insurance and Health & Wellness elements, all in one single mobile platform! We’re proud to have brought you this customer-centric application which has been carefully designed with the sole intent to increase the ease, functionality and convenience for one person: You! So whenever you need any Inpatient Services, Outpatient Services, Claims Information or need to keep a strict track of your Health’s status, you know where to look!

With all these new features, we aim to build an active and robust community of aware individuals who are focused on being healthy and keen on digitizing their entire wellness and claim reimbursement needs. Once this community is up and running, we shall be rolling out our exciting Rewards Program as well. Stay tuned!

This is truly the future of Health Care, brought to you today! You’re Welcome.

Waterborne diseases shouldn’t be taken lightly. Consult a doctor on MediBuddy immediately if any of the symptoms last more than a few days.  

 

 

Inclusions and exclusions of health insurance policy

Weigh the Inclusions and Exclusions of a Health Insurance Policy before buying

Inclusions and exclusions of health insurance policy

With health care costs soaring beyond affordability, people are realizing the need for purchasing a health insurance policy. But don’t be impulsive and buy the first policy that you read about or one that an insurance agent forces on you. You need to exercise caution and carefully consider the inclusions and exclusions. Read on to acquire a comprehensive idea of what you should expect your policy to cover.

Inclusions that a good health insurance policy should provide:

 

1. Inpatient hospitalization

You have to be hospitalized for at least 24 hours to avail of the following benefits:

  • Room Rent
  • Intensive Care Unit rent
  • Charges for OT
  • Fees for doctors, nurses and surgeons, and anesthetists
  • Expenses on medicines, IV units, oxygen, prosthetics, blood bags, etc

 

2. Pre and post hospitalization charges

All the expenses you might require before you are hospitalized and after you are discharged as part of your post-treatment therapy will be covered by your insurance policy.

3. Ambulance charges

A good health insurance policy will cover the cost of commute that an ambulance will charge to transport you to the hospital.

4. Day care treatment

Many health insurance policies today do not require you to be hospitalized for 24 hours in order to qualify for an insurance payout. They have also started covering daycare procedures such as dialysis, chemotherapy, and radiotherapy. 

5. Health check-ups

A positive trend that has permeated the insurance industry is the inclusion of free health check-ups. A policy will cover any Out Patient Department consultation that you might require.

6. Organ donation

Most health insurance schemes cover the costs incurred in organ transplant surgeries. Moreover, they also include the charges of harvesting an organ from a donor.

7. AYUSH therapy

Yet another heartening trend is the coverage of treatment sought through non-conventional modes of therapy such as Ayurveda, Unani, Siddha, and Homeopathy. 

8. Domiciliary treatment

This refers to treatment at home. A need for this type of treatment may also arise when the patient is too sick to be transported to a hospital. 

Common exclusions in health insurance policies:

  • Pre-existing Illnesses are illnesses that you had already been diagnosed with when you decide to purchase the health policy
  • If you contract an illness or are diagnosed with one before the waiting period is up, your policy will not come to your aid
  • In the first 2-4 years of buying the policy, your plan will not cover joint replacement surgeries, treatment of hernia or piles
  • Self-inflicted injuries
  • Drug or alcohol abuse-related conditions
  • If you want to avail of maternity benefits, you have to purchase a separate cover and again the benefits will kick in after a certain waiting period has elapsed
  • Permanent exclusions in health insurance include cosmetic surgeries to enhance your appearance, injuries obtained in a war zone, nuclear contamination, and HIV/AIDS

 

Conclusion

A health insurance policy should not be an impulsive purchase. So meticulously go through the details and use your discretion before arriving at a decision.

 

Assessing the status of your health completely is essential before purchasing a
health insurance policy. If you need a health check-up, schedule a consultation
and talk to a Doctor through MediBuddy today.

 

 

Challenges that Plague India’s Healthcare

The Challenges that Plague India’s Healthcare

Challenges that Plague India’s Healthcare

India’s healthcare scene is a juxtaposition of swanky premium hospitals in metros and decrepit, poorly equipped shacks that masquerade as medical clinics in villages. This glaring disparity is the reason why medical care remains inaccessible to a huge chunk of the population in India.

Where does the Trouble stem from?

Quality has never been a problem that has plagued India’s medical arena. For ages now, some of the brightest minds in the country have been toiling relentlessly to come up with medicines and drugs that can cure the most persistent and stubborn diseases. And post-independence, India has indeed witnessed a heartening improvement in the quality of healthcare services. 

Yet, there are millions who cannot avail of affordable medical care. In fact, a report by Lancet, places India at a lowly 145th among 195 countries when it comes to healthcare access.

What are the reasons for poor access to Healthcare?

 

Not many Amenities for Rural People

Healthcare services have not seen extensive penetration in rural India. Nearly 75% of India’s population resides in villages. Yet, only 31% of India’s hospitals are located in villages. And more alarmingly, only 16% of the hospital beds are allocated for rural Indians. Private hospitals naturally want to operate in large metro cities where they can maximise their profits. 

Over the years, the Indian government has made provisions for plenty of Primary Health Centres in villages. But unfortunately, they have not been successful. That is because there is a deplorable shortage of medicines, devices and trained medical personnel. 

Not enough Doctors

Medical colleges may be churning out thousands of doctors every year, but most of them are reluctant to practise in villages. Currently, less than 30% of the medical forces are serving in villages. Nearly 2000 Public Health Centres are lying dormant because of a shortage of doctors. 

Similarly, the sub-health centres are manned by a midwife, multi-skilled healthcare personnel and a meagre few assistants. This small workforce is forced to see to the needs of hundreds of people every day. 

Moreover, many Public Health Centres and sub-centres do not have any female doctors among their ranks. And that is the reason why most women outrightly refuse to drop in at these clinics.

What’s worse is that merely 19% of the medical practitioners in villages are qualified. 

Paltry Outlay for the Health Sector

At present, the government allocates merely 1.02% of its GDP for health care. This translates to INR 3 per person every day. This figure is so inadequate that in India nearly 68% of expenses on medical services are out-of-pocket expenditures. On the other hand, the global average is just 18%.  That is why healthcare is extremely expensive. And many people, both in rural as well as urban India cannot afford it.

Poor Health Insurance Penetration

Another reason why accessibility to health services is shoddy is that not many people in India have a health insurance policy. The Indian government, since Independence, has been introducing a string of welfare schemes. But still, about 56% of India’s population has not been brought under the umbrella of affordable health care. Only a few can purchase health insurance policies provided by private insurance companies because they charge a significant premium. That is why at the time of medical emergency, people who do not have an insurance cover have to fork out the cost of treatment from out of their pockets. And, to those who live below the Poverty Level, quality health services still remain inaccessible.

Conclusion

Top-notch healthcare is everyone’s right. With effective policies and persistent efforts, India can make a course correction and improve healthcare accessibility.

The healthcare situation in India may be abysmal but that doesn’t mean that it’s the end of the world. Read our whitepaper on how Digital Healthcare is transforming medical services in India.

 

Sources:

  1. Economics Discussion
  2. Hindustantimes
  3. Businessworld
  4. Economic Times
  5. Indiaspend
  6. Livemint
  7. Newsclick
Pre existing illness and medical insurance

Can you purchase a medical insurance policy if you have pre-existing disease?

Pre existing illness and medical insurance

No insurance company can bar a person who is ill from purchasing a medical insurance policy.  However, the younger and healthier a person, the more convenient it is to procure a policy. People with a pre-existing illness may face problems while trying to purchase a medical policy.

What is a Pre-existing Illness?

In health insurance jargon, a pre-existing illness is any disease that you have/have been diagnosed with prior to purchasing a medical insurance policy. It could be any ailment, ranging from lifestyle disorders like high blood pressure, diabetes to serious illnesses such as asthma. 

Why are insurers disinclined towards selling a policy to a sick person?

People with a pre-existing illness are high-risk clients. They are very much likely to require medical care in the near future. That means there are high chances of them making a medical claim and if the claim is valid, the insurer would have to settle the claim. So, this is not very profitable from the insurer’s perceptive. That is why health insurance companies are unenthusiastic about selling policies to people who are ill.

But, can insurers prevent you from purchasing a medical insurance policy?

No, an insurer has no right to prevent you from getting a health policy in India. The Insurance Regulatory and Development Authority of India (IRDA) has made it mandatory for insurance companies to provide health coverage to people with pre-existing illnesses. To deny people a health scheme on the grounds that they are sick would be unlawful. 

How does IRDA protect the interests of the insurers?

On the one hand, IRDA makes sure that no one is deprived of his or her right to good health. On the other hand, it also makes sure that insurers don’t suffer losses. That is why it has introduced the concept of waiting period. This means that if you have a pre-existing illness, you have to wait for a maximum of 4 years before the policy covers that particular illness. Although the waiting period may vary from one company to the next it can never exceed 4 years.

A few other guidelines you must be aware of:

 

A declaration of your illness

This is a strict mandate from IRDA. If you are suffering from an ailment, you have to declare it. More specifically, if you started treatment 48 months before purchasing the policy, you have to mention it in a form, even if you have been cured of it. But that does not mean that you have to declare that you are prone to small annoyances like the flu or common cough and cold. Only select diseases are included in the pre-existing illnesses list. You can ask the insurer to share a copy of the list with you.

Medical check-ups

People with pre-existing illnesses and even healthy individuals of advanced age have to undergo a mandatory health check-up before they can purchase a health insurance policy. 

Higher premium

If you buy a health insurance policy with pre-existing illness coverage, you will have to pay a higher quantum of the premium than others do.

Conclusion

It is not wise to hide your illness from your insurer. If you do need medical services and it comes to light that you have been suffering from the disease since before you purchased the policy, your insurer will reject your claim. 

It’s unlawful for any insurer to deny you a medical insurance policy based on the
grounds that you are sick. To determine if you have a pre-existing illness, talk to a
Doctor through MediBuddy today.


Sources:

  1. Bank Bazaar
  2. Money Control