A Health Insurance Advisor par excellence. Review on Medimanage Health Insurance

Hello readers! I was the very first person to review Medimanage on this site sometime in Nov. 2011. I am back today, almost 2 years later, to just say a few things.

1. I continue as their client

   
   




2. Not only have they remained true to my initial description but they have exceeded all my expectations

   
   




3. I am very proud to be associated with them

   
   




4. My point of contact today is Mr.Kalpesh -the head of the sales team - and Mr.Soman - my Account Manager. They are exceptional individuals who give their best every time to get me and my family the best protection I can afford.

   
   

I am so delighted with their service that I make it a point to recommend them to any and all I even suspect needs a better health policy.I do this so often that I'm sure many people think I earn some commission from Medimanage;) That about sums it up. please keep in mind that your health is your ultimate wealth!

7th Nov 2013

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17th Nov 2011

Hello readers,

I cannot emphasize enough the need for a good health insurance coverage package for all of us and our families. Needing to upgrade the existing coverage for my family and especially for my father( a senior citizen) I commenced online research around 8 months ago.

Believe me when I tell you that today I am quite knowledgeable about health insurance policies! But before actual purchase, I contacted a Health Insurance Brokerage firm called Medimanage headquartered in Mumbai and spoke to one Mr.Kalpesh of the sales team.

I was very impressed! He was impartial, honest, knowledgeable, courteous and professional. The recommendations he made were excellent ones and he gave reasons for each and every recommendation, along with the pros and cons of each policy.When I mentioned a good private insurance company's policy, he agreed it was a good one but warned me about their lack of year on year renewal pricing dependability.And this he did even though the premium was atleast 3 times the premium of other national insurance companies's premiums on which I assume Medimanage's commission is based.

I asked him why I should go through Medimanage to buy my policy. His answer:

1. Free, impartial and informed policy buying guidance - irrespective of whether you buy through them or not.( I vouch for this claim as Mr.Kalpesh's recommendations only confirmed my own findings and conclusions arrived at after months of research)

   
   




2. During the time of a claim, you contact the relationship manager( a Medimanage employee assigned to you) for all your needs pertaining to making a claim on your health insurance policy( hip) .He/she will take care of everything for you.

   
   




3. Interacting with the hip company, through Medimanage ensures a better( smoother and quicker) experience as Medimanage has a business tie up with all the hi companies and deals directly with the Relationship managers of those companies.

   
   




4. You pay Medimanage nothing extra. What you pay for the policy if you buy directly is the same as what you would if you bought it through them.

   
   

During the course of the that week and the following 10 days, I kept calling him often to resolve some doubts. Each time he answered everything perfectly and confidently and in the few instances where I wanted extremely specific and latest updates he would tell me that he would get in touch with the relationship officer of the concerned health insurance company and get back to me within a specified time frame and he would with the answers.His enthusiasm and professionalism remained the same inspite of my telling him that I would be purchasing the policy a few months later and that I was not making any guarantees that it would be through Medimanage.

Sometime last month I finally bought a policy after about 15 days of many calls and emails to Kalpesh; a policy whose very existence I came to know through Mr.Kalpesh. Let me just say that I am a very happy man today and though I have had no need/opportunity to experience the service of Medimanage during the time of'claims', I am confident that they will be an excellent asset working for me when I need the assistance the most. By the way, I am a resident of Hyderabad.

Bottomline - Try them, especially Mr.Kalpesh!

http: // http://www.medimanage.com/

Call+ 91 22 67282929 [10.00 AM to 6 PM – Monday to Friday]

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Because of Mr.Kalpesh, I came to know of Max Bupa Health Insurance companys'Family First Policy'.

Before I tell you about this policy, let me make one think clear.There is no one perfect policy to suit all.Understand all the fine print and conditions and all the other things which make a policy a good one.Two get an idea of all the things you should know about regarding any policy, use Medimanage's website to search for a policy.When you get the results compare the policies and note all the various factors compared in a neat tabular format.Now you know what to look for.

I chose this policy in its Silver variant. My wife and I were 30 and 31 years old respectively when I got ourselves covered under this policy. The only disadvantage of  the silver variant is that we are eligible for only shared accommodation.This is something I can live with for the simple reason that.here it is folks.My wife and I have a Rs.25 lakh( Rs.5 lakh individual cover each and Rs.15 lakh floating cover for the both of us) cover for a premium of just Rs.10 thousand change! Find me a better policy!

Please be aware of the implications of restrictions on room rent/type.As the package cost of any treatment is directly linked to the room taken it might result in your spending'out of pocket'.My choice was based on my requirements and priorities at the time of taking the policy. For more infor read:http: // http://www.medimanage.com/health-insurance-experts-blog/post/2012/04/14/Room-Rent-Limits-in-Health-Insurance-in-India-and-their-implications-on-Claims.aspx