RakshaPoint Insurance Marketing LLP
Grievance Redressal | ISP Directory

Health Insurance (Mediclaim)

Armor Against Medical Inflation

Hospitalization and Health care protection

Shield Your Savings from Medical Bills

A single medical emergency can thoroughly wipe out years of savings. Given the steep rise in healthcare costs in India, a robust Health Insurance policy is no longer an optional luxury—it's an absolute necessity.

At Rakshapoint, we analyze your family's health history and local hospitalization costs to recommend policies that offer comprehensive cashless network hospitals, minimal copays, and extensive riders like critical illness covers.

Key Benefits Include:

  • Cashless Treatment
  • Pre/Post Hospitalization
  • Day Care Procedures
  • No Claim Bonus (NCB)
  • Tax Benefit u/s 80D

Health Plans We Optimize For You

There is no "one-size-fits-all" in mediclaim.

Individual Plan

Covers a single individual. The entire Sum Insured is available exclusively for you, ensuring maximum standalone protection.

Family Floater

A single policy that covers your entire family (self, spouse, children) under one Sum Insured, offering cost-effective coverage.

Senior Citizen

Tailored for individuals above 60 years. Covers pre-existing diseases and age-specific ailments with reasonable waiting periods.

Top-Up / Super Top-Up

Enhances your existing cover efficiently over a defined deductible limit to guard against massive medical inflation.

Health Insurance FAQs

Waiting period is the time span during which you cannot claim benefits for certain illnesses. Most policies have a 30-day initial waiting period for illnesses, and up to 36 months for Pre-Existing Diseases (PEDs) under IRDAI master regulations. Accidents are usually covered from day one.

Maternity is not covered in all standard mediclaim policies by default. However, many premium plans or specialized policies offer maternity cover alongside newborn baby coverage, usually with a waiting period spanning 9 months to 4 years.

Yes. Corporate cover ceases the moment you change jobs or retire. It's highly advised to maintain your own personal retail health policy alongside the corporate cover to maintain continuous protective history (and complete waiting periods) without interruptions.

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