MediClinic: Ensuring Round-the-Clock Medical Services for Office-Goers

Before jumping into what a MediClinic is, it’s important to understand why it’s needed in the first place.

You see, you’re a part of the ‘rat race’ generation, whether you like it or not — better jobs, fierce competition, power, money. The frantic pace usually gets the better of your health as you don’t get the necessary time. Moreover, unhealthy lifestyle and poor nutrition fan the flames of illnesses.

Of course, you can always go see the doctor, but frequent visits might be a hurdle (considering your company’s leave policy and personal errands). This is where MediClinic comes in the picture by offering medical convenience right at your office premises.

Now, What is a MediClinic?

MediClinic is your Occupational Health Centre which not only administers medical services but also improves employee productivity while optimizing the costs of medical care.

For instance, employees can access the information pertaining to such walk-ins which can be accessed directly from the MediBuddy portal or app.

As for the corporate HRs, the MediClinic data management tool helps them draw valuable insights from the data provided via MIS reports, electronic health records and trend analysis for common ailments people suffer from.  

Based on the data gathered, ailments can be grouped under various categories and the HR can then decide the type of wellness service that needs to be provided for the company’s employees.

MediClinic also employs the MediClinic Software which allows our personnel to capture valuable data such as walk-in details and medicines prescribed to the patient. Employees can also access the information pertaining to these walk-ins on MediBuddy which can be accessed either from the portal or app.

What are the Additional Services of the MediClinic?

Here’s a breakdown of all the health services available at the MediClinic.

  • Primary Care/ First Aid:  General physician, paramedic or nursing support, and specialists (Gynaecologist)
  • Emergency Care/Medivac: Basic life support by medical staff including Advanced Cardiac Life Support (ACLS)
  • Pharmacy Services/Medicines: OTC medicines, medicines for emergency care, and MediBuddy pharmacy services where you can buy your medicines online, and in a cashless format (if your policy covers it)
  • Equipment: Provisions for Automated External Defibrillator (AED) and additional necessary equipment
  • Lifestyle Management: Wellness intervention programs and fitness rewards on the Mobiefit app
  • Additional Services: Lab Tests where a phlebotomist deployed by Medi Assist facilitates the collection of samples for the tests prescribed by the doctor

 

Summarizing 6 Capabilities of The MediClinic

Some may say that MediClinic is just the OHC being rebranded. That’s true,  but not entirely. You see, MediClinic brings a lot more to the table. Here are 6:

Medical Manpower Management

  • Deployment and management of Physicians/Paramedics across locations including recruitment, replacement, roster
  • Periodic Training of the medical manpower

 

Emergency Management

  • Deployment and Management of Ambulances (BLS/ACLS) across locations
  • Stabilisation on-site and evacuation of the employee in case of emergency to the nearest hospital for immediate care

 

Bio-Medical Waste Management (BMW)

  • BMW management across sites as per BMW norms with government-authorised vendors

 

Inventory of Medicines and Equipment

  • Manage inventory of common and emergency medicines at the OHCs
  • Manage deployment and calibration of medical equipment, including AED

 

Technology Infrastructure, Data Management, and Analytics

  • Deployment of MediClinic data management application across locations
  • MediClinic data management application for clinical data capture and analysis
  • Converting analytics into meaningful interventions such as personalized wellness sessions, health weeks, vaccination programs, workplace evaluation and more

 

Account Management and Administration Structure

  • Dedicated Account Management Team
  • Local administration structure to manage OHCs
  • Periodic review
  • Make the services Predictable, Reliable & Transparent

Put your health first, even when at work. At MediClinic, you can book health checks, lab tests, medicines, doctor consultations and more, with just a few clicks.

Work or health- do you always have to choose one? Not when MediClinic is at your
office! A service offering by MediBuddy, experience medical comfort at your workplace with MediClinic. The first video captures the training and onboarding of physicians and paramedics.
 

health insurance best investment

Is Health Insurance Best Investment for Millennials?

health insurance best investment

Today, you will find millennials investing in a plethora of schemes to expand their wealth. But, the one investment plan that they often overlook is health insurance plans, which they think doesn’t multiply their wealth. But, what they often fail to consider is how this financial instrument can prevent their wealth from eroding.

How will a health insurance plan help you save money?

 

Coverage

This is the main reason why people buy a medical policy in the first place. When you have a health insurance plan, you have to pay some or none at all — depending on the policy terms and conditions — for the following:

  • Pre and post hospitalization charges
  • Doctor’s and nurse’s fees
  • Cost of running tests to diagnose your illness
  • Cost of therapy, medicines, surgery, prosthetics etc.
  • Room rent

 

Maternity Benefits

Most health insurance policies offer maternity benefits like pre and postnatal care of both the mother and the child, cost of delivering the baby, tests run on the baby to determine if it is healthy etc.

Out Patient Department Charges

Even if you do not need hospitalization and you only need to consult a doctor at the Out Patient Department, your health insurance policy will cover the expenses.

Regular Check-ups

Most people do not go for a health check-up unless the symptoms of an illness compel them to because check-ups are expensive. Health insurance policies make provisions for pre-emptive check-ups. Don’t ignore check-ups as they can detect illnesses at the onset and allow you to begin treatment at the earliest. A head start on the treatment always increases your chances of staging a full recovery and that too within a shorter duration.  

Tax Benefits

Who doesn’t want respite from taxes? With health insurance policies, you are entitled to tax benefits under Section 80D. The sum insured that your insurer pays is not considered as an income. That is why no taxes apply.

Daily Hospital Cash Allowance

This feature takes care of your day-to-day expenses when you are hospitalized.

Organ Transplant

Organ transplants are immensely expensive and very difficult to afford unless you invest in a health insurance policy, which covers the cost of transplant and aftercare.

Critical Illness Plans

If you invest in these plans, which cover some grave debilitating diseases like stroke, cancer, kidney failure, you can receive a substantial payment if you ever come down with the specified ailments. The insurance payout can actually help you sustain yourself during trying circumstances.

To find out if you are at risk of contracting a critical ailment, you can talk to a doctor through MediBuddy’s E-consult.

Why should Millennials invest in Health Insurance?

Millennials are young and healthy and hence they believe they are immune to ailments. However, if you look closely, you will see that the life of a millennial is one of anxiety, stress, and worry. This, coupled with a sedentary lifestyle and junk food, makes them prone to a number of chronic disorders.  

To make matters worse, we live in times when pollution levels have gone up drastically. This rise in pollution levels is one of the major reasons behind the increasing number of severe heart and lung ailments.

Simultaneously, health care services have also become expensive. So, even a brief stint in the hospital can chip away at your savings. Having a health insurance policy in such circumstances will help cushion your finances.

Moreover, if you buy a policy while you are young, you will have to pay a lower premium. This is because according to insurers, young people carry less risk as opposed to older people when it comes to their health.

Then there is the waiting period – the mandatory period you have to wait before the benefits of a policy kick in. Because a person’s health is directly proportional to their age in most cases, a young person can easily get through the waiting period compared to an older person.

Health Insurance policy vs. a Group Insurance Plan

If you are employed in an organization, most likely you will be included in the company’s insurance plan for employees – the group insurance plan. This plan not only caters to your health care needs but also covers your family. This is why many millennials feel that they do not have to invest in a separate health insurance policy if they already have a group insurance policy.

But remember, the benefits apply only as long as you are employed with that firm. If you resign, retire, or are let off, you will have to fall back on an individual health insurance plan.

Healthcare plans are vital. And being young is no excuse for not
investing in a health insurance policy. So, get one today and al-
ways safeguard your health with MediBuddy. 

References:

instabima

bankbazaar

policybazaar

health insurance claim

8 Questions on Health Insurance Claim and Their Answers

health insurance claim

We came across a few queries on  MediBuddy’s insurance claims portal that troubled users. Well, insurance and claims can be tricky…there can be a million problems — well, maybe even more. But in this post, we’ve identified 8 queries — and their answers — which can help make your journey easy-breezy on MediBuddy.

Query #1: Why is it important to submit a cheque leaf?

You will be required to submit a cancelled cheque leaf during a health insurance claim process as it acts as a proof of the individual holding the account. Moreover, it aids in the electronic transfer of funds by eliminating any typographical errors and/or false information about your bank details.

Query #2: Where do I see the policyholder and dependant(s) details in the portal?

You can view your insurance policy details, coverage, terms and conditions, and dependant information by clicking on ‘Policy Detail’ after signing into MediBuddy.  It’s important to note that dependants can be only be removed/added while your policy’s enrolment window is open.

Query #3: Where do I find policy terms and coverage details on MediBuddy portal?

Log into MediBuddy and navigate to ‘Policy Detail  where you’ll be able to see:

  • Policy Terms and Conditions
  • Policy Coverage
  • Dependant(s) information
  • Family Sum Insured
  • Balance Sum Insured
  • Insurer Name
  • Policy Name

 

Query #4: Why is it necessary to send the physical copies during insurance claim submission despite uploading the soft copies?

Physical copies are required during an insurance claim submission for the following reasons:

  • A direct mandate from insurers (not all) demanding all original medical records. Please check your policy terms and conditions to know more.
  • To prevent any discrepancies, fraudulent activity, and overinflation of claim amount. Moreover, these documents help in the auditing of the TPAs and the Insurers.

Providing up-to-date information and the originals is one way to ensure that your claim isn’t rejected or denied. Complete disclosure and submission of original documents add authenticity to your claim. Here are the documents you’ll have to submit while submitting a cashless or a reimbursement claim.

Query #5: Why is there a delay in approval of claims?

There can be a variety of reasons why your claim might be delayed: treatment/ailment not covered under your policy, invalid/expired policy, inaccurate information, and more. Here’s a post that talks more about the delay in claims in detail.   

Query #6: Who do I contact if I have a problem in uploading the documents/govt id proof?

Uploading documents on MediBuddy shouldn’t be a hiccup. However, in the unfortunate event of a failed document upload/submission, you can:

  • Call the Claims Helpline on the Contact Page or drop a query under ‘Your Queries’ on the after logging into MediBuddy

 

Query #7: Why is it required to fill in Date of Admission and Date of Discharge for domiciliary claims?

You won’t have to fill in the date of admission and discharge to raise a domiciliary claim but have to mention the duration of treatment,  including the documents listed below.

  • Claim form
  • Doctor’s prescription which must contain the line of treatment, nature of the ailment, medicines dispensed or prescribed for treatment, and the duration of treatment. The prescription must not contain payment details.
  • Pre-numbered doctor’s original bill from doctor’s official bill book
  • Original cash memos/chemist bills for medicines purchased
  • Copies of all lab test reports and other test reports ( if applicable )

Domiciliary treatment covers all ailments (subject to policy terms and conditions) that do not require hospitalization which also includes treatment taken at the OPD in a hospital or a physician.

Query #8: Which types of claims are usually denied/rejected?

The waiting period and the terms and conditions of your insurance policy are a couple of reasons behind a claim rejection. Here’s an article that lists all the reasons that open the door for claim rejections, cashless or reimbursement.

Help is at hand, with MediBuddy!
Let MediBuddy help you plan better. View the details of your policy, including exclusions and other conditions, online; use the Network Hospital search feature to locate, compare and choose an ideal hospital for cashless treatment; and use the Online Claim Submission feature to not only enjoy hassle-free claim submission but also reduce instances of deficient documentation.

copay insurance

Does Your Policy Have a Copay Insurance Clause? Find Out What It Means

copay insurance

Medical expenses are always on the rise. So, people are on the hunt for good insurance policies. After all, no one wants to foot a huge bill. However, high premiums can deter people from buying good policies. This is where you can take advantage of the copay insurance to enjoy better coverage at low rates.

This article explores copay insurance and what you can expect from it.

What is copay insurance?

Copay insurance is a type of healthcare plan with a clause stating that the insured party must pay a part of the bill. The amount you must pay is fixed. For instance, you may need to pay 10% of the total bill. In this case, if your hospital bill is 30,000, you must pay Rs 3,000 from your pocket. Of course, at this point, this may not seem like a huge problem. But remember, treatments for major conditions flow into lakhs. Thus, having to pay 10% can burn a hole in your pocket. Therefore, you should evaluate a policy carefully before buying it.

Why do health insurance companies offer copay insurance?

Copay insurance is not exactly a favourite amongst health insurance seekers. So, people often wonder why companies even offer these. The following are a few reasons why a policy may contain a medical insurance deductible:

  • With copay, people are liable to foot a certain amount of the bill. Companies add a co payment clause to discourage them from making unnecessary claims. Many patients make claims for generic gastric problems or small ailments. This means that companies must bury their heads in a lot of paperwork. The co-payment clause helps them avoid this.
  • Adding copay in medical billing ensures that patients do not go to more expensive hospitals. Polls in India show that boutique hospitals, high-end clinics, and speciality centres often charge 40% more than regular hospitals do. It encourages patients to go to more affordable hospitals offering high-quality treatment.
  • Finally, copay also decreases the risk and overall liability that an insurance company must incur. They save a minimum of 10% of the total hospital bill. This is because the insured party must pay that themselves. 

So, why would a consumer even consider buying copay insurance?

The biggest drawbacks of leading healthcare plans are often the high premiums that come with them. Most consumers understand that these high premiums can translate to a wider coverage when it comes to illnesses. However, not everyone can afford these insurance policies. Does that mean that the average consumer should buy a sub-par insurance policy and keep his/her fingers crossed? Of course not!

Policies come with a co-payment clause to make the insurance premiums more affordable. With the risk and liability to the company reduced, insurance providers do not fret over offering premium services at lower rates. Some healthcare providers charge as high as 20% as the medical insurance deductible.

Of course, for consumers, the flipside is footing a portion of the bill on their own. But, on the other hand, it does provide them with better policies at cheaper rates.

What to consider before buying an insurance policy?

You’re probably wondering whether to buy copay insurance or regular healthcare plans. You must first jot down your priorities. This can help you pick a plan that suits your needs. Consider the following:

  • Are you taking steps to save money?
  • Do you have any other financial investments planned?
  • Does your family suffer from hereditary diseases?
  • Do your lifestyle choices put you at risk for certain diseases? If you are unsure about it then you can consult a doctor on MediBuddy to find out.
  • Are you earning enough to account for sudden medical expenses?

These factors can help you decide what type of insurance to buy. If you have taken steps to set aside funds for emergencies, and do not want to pay high premiums, then copay insurance may be the right fit for you. Conversely, if you cannot account for sudden medical expenses, perhaps regular healthcare plans may benefit you more.

Copay insurance is not a bad thing. These healthcare plans can allow individuals to benefit from better coverage without paying high premiums. The higher your copay amount, the lower your premium will be. Therefore, you should look at your copay amount carefully before committing. Of course, do take into consideration inflation and typical medical expenses before making your final choice.

Healthcare plans are vital. It is better to have copay insurance than no insurance at all. So, get copay insurance. And always safeguard your health with MediBuddy.