Group Medical Insurance
The medical insurance program takes care of outpatient and in-patient costs. Medical insurance plans operate in two (2) basic ways. One is on reimbursement basis while the other is on direct settlement basis. The direct settlement schemes provide a cashless facility whereby no money has to be paid by the insured-member except the deductible amount for Out-Patient treatment. If the reimbursement basis is opted for, then, the patient settles the bills/ invoices with the concerned clinic/ hospital / pharmacy and puts in papers to claim reimbursement.
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