What is Health Insurance?
Health Insurance is a Agreement Between the Policyholder and the Insurer Where the Health Insurance Company Provides Financial Coverage to the Insured Up to the Sum Insured Limit. It Offers Buy Hospital Medical Accident and Travel Insurance Plans, Coverage for Healthcare Expenses Incurred During an Emergency and Planned Hospitalization. It Also Provides Tax Savings on the Premium Pay to the Insurance Company Under Section 80d of the Income Tax, 1961.
Health Insurance
Health Insurance is a Type of Insurance That Covers the Medical Expenses of the Insured Due to an Illness and Accident in Exchange for a Premium Money. It Enables the Insurance Company to Provide Medical (Hospital, Medical, Accident, and Travel, Insurance Plans) Coverage for Hospitalization Expenses, Day Care Procedures, Critical Illnesses, Etc. A Health Insurance Plan Also Offers Multiple Benefits, Including Cashless Hospitalization & Free Medical Check-ups.
Health Insurance Plans
Buying a Health Insurance Plans Cover is Important. Yet, There Are Times When People Are Reluctant to Buy an Appropriate Cover Plan. Often, People Get Confused Between the Different Types of Health Insurance Plans That Are Available.
Type of Health Insurance Plans
1- Individual Health Insurance Plan
2- Family Health Insurance Plan
3- Health Insurance for Senior Citizens Plan
4- Critical Illness Insurance Plan
5- Critical Illness Insurance for Women Plan
6- Top-up Health Insurance Plan
7- Personal Accident Insurance Plan
8- Group Health Insurance Plan
Individual Health Insurance Plan
Under the Individual Health Insurance Plan, the Proposer or Dependent Family Members Can Be Covered in the Insurance Plan With a Separate Sum Insured. So, in Case You Are Looking Forward to Securing Yourself Along With Family Members Where You Need Not Share Your Sum Insured, Consider Choosing an Individual Health Insurance Plan. You Can Avail of Cashless Treatments at Over 8000+ Network Hospitals With Our This Individual Health Insurance Plan.
☛ Some Key Features of Individual Health Insurance...
▻ Multiple Sum Insured Options
▻ Cover for Pre- or Post- Hospitalization
▻ Covers Ayurveda or Homeopathic Treatment
▻ Covers Day-care Procedures, Extended Family
▻ Road Ambulance Cover
▻ Daily Cash Benefit
Family Health Insurance Plan
Family Health Insurance : Medical Expenses Don't Come With Any Warning. Hence, It Becomes Most Important to Have the Robust Family Health Insurance Plan Policy as a Part of Your Portfolio. The Family Floater Plans Permits You to Include Multiple Family Members Within the Same Health Insurance Plan for a Single Premium Paid. Under This Type of Plan or Policy, the Sum Insured is Shared by All the Members Covered in the Policy, Thereby Secure the Family Health Insurance Plan at a Feasible Insurance Premium.
☛ Some Key Features of Family Health Insurance...
▻ Cover for Dependent Family Members
▻ Day-care Procedures Cover
▻ Pre- and Post-hospitalization
▻ Convalescence Benefit
▻ Bariatric Surgery Cover
▻ Sum Insured Reinstatement
Health Insurance for Senior Citizens Plan
Health Insurance for Senior Citizens : as a Person Ages, the Body Starts Showing Different Signs That Indicate Ailments That May Happen Because of Age - Related Issues. Hence, It Becomes Most Important to Be Prepared for the Golden Days. Health Insurance for Senior Citizens Acts as a Shield in Case of Any Such Medical Condition During Old Age or Doesn't Leave Them in Financial Distress.
☛ Some Key Features of Health Insurance for Senior Citizens...
▻ Shorter Waiting Periods for Pre-existing Diseases
▻ High Entry Age
▻ Waiver of Co-payment
▻ Cumulative Bonus
▻ Free Health Check-up
Critical Illness Insurance Plan
A Regular Critical Illness Insurance Plan May Not Always Cover Expenses Related to Any Critical Illness Condition. A Critical Illness Insurance Plan is Very Helpful Plan as It Offers a Cover for High- Amount Treatments Against Life-threatening Diseases. The Major Advantage of the Critical Illness Plan or Policy is That the Lump-sum Benefit Becomes Payable Only on Diagnosis With the Listed Critical Illness, Hospitalization is Not Mandatory.
☛ Some Key Features of Health Insurance for Critical Illness Insurance...
▻ Major Surgery of Aorta
▻ Cancer
▻ Open Chest Cab g
▻ First Heart Attack of Specified Severity
▻ Kidney Failure
▻ Covers You & Your Family Members.
▻ Major Organ Transplant
▻ Permanent Paralysis of Limbs
▻ Multiple Sclerosis With Persisting Symptoms
▻ Stroke Resulting in Permanent Symptoms, Etc.
▻ Some Key Features of Critical Illness Insurance
▻ 100% Pay-out on Diagnosis of Listed Critical Illnesses.
▻ Multiple Sum Insured Options
Critical Illness Insurance for Women Plan
Critical Illness Insurance for Women is Specifically Designed to Protect Against the Risk of 8 Life-threatening Circumstance That Adversely Affect a Woman. The Benefit Can Be Availed in the Form of a Guaranteed Pay Sum When Diagnosed With a Life or threatening Ailment.
☛ Listed Below Are the Eight (08) Life-threatening Illnesses That Are Covered Under Critical Illness Insurance for Women...
▻ Breast Cancer
▻ Fallopian Tube Cancer
▻ Cervical/ Uterine Cancer
▻ Ovarian Cancer
▻ Vaginal Cancer
▻ Permanent Paralysis of Limbs
▻ Multi-trauma
▻ Burns
*some Additional Features of Critical Illness Insurance for Women
▻ Loss of Job Cover
▻ Congenital Disability Benefit
▻ Children Education Bonus
Top-up Health Insurance Plan
A Top-up Health Insurance Plan Ensures That Even if the Sum Insured of the Base Medical Insurance Plan is Exhausted, You Still Are Covered. A Top-up Health Insurance Plan Provides an Extra and a (TOP-UP) Cover to the Existing Insurance Plan Policy.
☛ Some Key Features of Top Up Health Insurance...
▻ Maternity Cover
▻ Pre- and Post-hospitalization Expenses
▻ Floater Cover for the Entire Family
▻ Shorter Waiting Period for Pre-existing Diseases
▻ Day-care Procedures
Personal Accident Insurance Plan
A Personal Accident Insurance Plan Takes Care of You and the Your Family Members Against Any Adversity. It Plan Provides Comprehensive Cover Against Accidents and Full Supports in the Hour of a Circumstance. You Can Protect Yourself From the Expenses of Any Unforeseen Accidents. It Covers You and the Your Family Against Any Bodily Injury, Death Disability That is Caused Because of a Mishap...
☛ Some Key Features of Personal Accident Insurance...
▻ Family Cover
▻ Sum Insured Up to ₹ 25 Crore
▻ Children’s Education Bonus
▻ Add on Benefits Like Adventure Sports Benefit, Accidental Hospitalization, Coma Care, Fracture Care, Etc.
Group Health Insurance Plan
Group Health Insurance Plan : in These Tough Times of Rising Medical Expenses, Group Health Insurance Plan is the Perfect Protection for the Employees or Their Families. It Takes Care of the Medical Treatment Incurred During Hospitalization From an Accident or Illness.
☛ Some Key Features of Group Health Insurance...
▻ Hospitalization Expenses
▻ Nursing Charges
▻ Cost of Pacemaker or Similar Expenses
Health Insurance for Vector - Borne Diseases Plan
Health Insurance for Vector - Borne Diseases Plan is a One-of-a-kind Plan That Takes Care of the Financial Setback Due to Hospitalization Because of Vector-borne Illnesses. To Put It Simply, Leave Your Worries to Us as This Policy for Your Families Covers Exclusively Vector-borne Diseases Plan Such as Dengue, Malaria, Zika and Chikungunya, Virus, Etc.
☛ Some Key Features of Health Insurance for Vector-borne Diseases...
▻ Cover for Spouse, Dependent Parents and Children
▻ Cashless Facility
▻ Different Sum Insured Options
▻ Lifetime Renewal Option
How Does a Health Insurance Work?
A Health Insurance Work : There is a Lot of Uncertainty Around the Health of a Person Because of the Fragility of the Human Body. Hospital, Medical, and Travel Bills or Care Are Expensive or Can Costs a Large Pay Amount. This is When Health Insurances Come Into Play. The Health Insurance Not Only Prepares One for the Rainy Day, but Also Provides Your Health Security Cover.
☛ Read More ▻ What is General Insurance?
☛ Best Health Insurance Company in India
▻ HDFC Ergo Health Insurance Company Limited
▻ Star Health Insurance Company
▻ Max Bupa Health Insurance Company Limited
▻ Aditya Birla Health Insurance Company
▻ Bharti Axa Health Insurance Company
▻ ICICI Lombard Health Insurance Company
▻ Care Youth Health Insurance Company
▻ Cigna Ttk Health Insurance Company
▻ Bajaj Allianz Health Insurance Company
▻ SBI Health Insurance Company
▻ IFFCO Tokio General Insurance Company
▻ Magma Hdi Insurance Company
▻ the Oriental Insurance Company
▻ New India General Insurance Company
▻ Niva Bupa Health Insurance Company
▻ Navi Health Insurance Company
▻ Manipalcigna Health Insurance Company
☛ Read More ▻ What is Life Insurance?
☛ Questions Asked for Health Insurance?
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