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HEALTH INSURANCE

Introduction of Health Insurance

Health insurance is a type of insurance coverage that covers the cost of an individual's medical and surgical expenses. These expenses could be related to hospitalisation costs, cost of medicines or doctor consultation fees. Over the past few years, India has witnessed high medical inflation. While medical science has made many advances, those are not always accessible to people because of the high cost of treatment. For this reason, it is important that you are prepared for medical emergency. The best way to do this, invest in a health insurance plan.

Importance of Health Insurance

Health insurance has become a necessity of every individual in India. Today, medical care is too expensive, especially in the private sector. To get the best medical facilities without a financial burden you will need a health insurance. As per the WHO (World Health Organization), 31% to 47% hospitalizations in India are financed either by the loans or sale of assets. And 70% Indians spend their income on healthcare and 3.2% falls under the poverty line due to pay huge health care bills.

A good health insurance policy usually covers hospitalization expenses, Pre- hospitalization and Post- hospitalization cost, day care procedures, cost of medicines, doctor consultation fees, domiciliary expenses, ambulance charges, ICU Charges, Laboratory Expense etc.

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Benefits of Health Insurance

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Medical Expense Cover

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Cashless

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Critical Issues cover

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Ambulance or Transportation Charge

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Pre-Hospitalization Cost

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Tax Benefits on 80D

Maternity and New Born Care

Explore   some Health Insurance Plan

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Individual Health Insurance Plan

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Family Health Insurance Plan

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Senior Citizen Insurance Plan

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Critical Illness Insurance Plan

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Maternity Health Insurance Plan

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Personal Accidental Health Insurance Plan

Difference between Individual Health Insurance
and  
Family Health Insurance

How to Choose Best   Health Insurance Plan

Maximum Coverage amount

 Family Health Insurance is good option

 Choose the plan, which you will need

Cashless Treatment Facility

 Waiting period to be served for pre-existing disease

Co-Payment & deductible

  Coverage of Critical Illness, like heart attacks, cancer etc

Maximum Renewal age Period

Be careful about the Insurance Policy

Focus your requirement

Sub-limit in the plan

Health Insurance Companies in  India

Top 5 Health Insurance Company in India

*For the Fiscal Year 2017-18

Best Health Insurance Plan , 2019

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Apollo Munich Optima Restore

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Star Family Health Optima

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Max Bupa Heartbeat Family Floater Health Insurance Plan

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Cigna TTK ProHealth Plus Insurance Plan

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Bajaj Allianz Family Floater Health Guard Policy

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  • Why do I need a Home Insurance?
    Buying a home insurance in India will provide you financial stability in the event of damage. In exchange for premium, the insurance company gives you assurance that they will take care of any losses like natural calamities, missile test damage, fire, burglary, etc that might occur due to damage to your property.
  • For how much time can I take the Policy?
    From a minimum of 3years to 30years.
  • What are the eligibility criteria to buy a home insurance?
    For Individuals - Any resident Indian who is the owner or occupant of the property For Society - Any authorized member of society's managing committee can buy policy to cover society building & common utilities.
  • Does the Insurance Policy covers "Rent Loss"?
    Yes
  • What if I sell the property during the Insured Period?
    You can cancel the policy and take the proportionate premium back.

Best Health Schemes by Govt

Pradhan Matri Suraksha Bima Yojana

Ayushman Bharat by Government of India

 Rashtriya Swasthya Bima Yojana

Aam Aadmi Bima Yojana

Employment State Insurance Scheme

Central Government Health Scheme

Janashree Bima Yojana

Universal Health Insurance Scheme

 PM Jan Arogya Yojana

Some myth about Health Insurance

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I am young and fit, I don’t need health insurance

This is one of the most common myths about health insurance. No one knows what tomorrow may bring. May you fall unforeseen circumstances such as accidents or illnesses such as dengue, malaria etc and you need to hospitalized. A two-day hospitalization can force you to pull out savings worth Rs. 1 lakh or more. So, buying health insurance is a good decision to save your money.

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Policy benefits begin from day one

Every health Insurance Policy have a limited waiting period. In general, first 30 days from commencement of the healthcare policy, no diseases are covered other than hospitalization owing to an accident. Usually, 2-4 years of the waiting period is required for pre-existing disease.

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Cheap policy is the Best Policy

It is totally wrong to choose a plan with the lowest premium. In basic plan comes with strictly restricted coverage, a number of useful features are excluded from this plan.

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Have a corporate plan

Your corporate policy is valid only till you are the employee of the organization. After leaving the job of this organisation, you will not be covered under the policy.

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Insurance reimburses all your medical costs

You get the reimbursement only when you admit in hospital. Some policies have sub-limit also. It’s come with a sub-limit of hospital room charges, medicine costs etc. It depends on the policy what you choose.

  • Why do I need a Home Insurance?
    Buying a home insurance in India will provide you financial stability in the event of damage. In exchange for premium, the insurance company gives you assurance that they will take care of any losses like natural calamities, missile test damage, fire, burglary, etc that might occur due to damage to your property.
  • For how much time can I take the Policy?
    From a minimum of 3years to 30years.
  • What are the eligibility criteria to buy a home insurance?
    For Individuals - Any resident Indian who is the owner or occupant of the property For Society - Any authorized member of society's managing committee can buy policy to cover society building & common utilities.
  • Does the Insurance Policy covers "Rent Loss"?
    Yes
  • What if I sell the property during the Insured Period?
    You can cancel the policy and take the proportionate premium back.

OBTAIN AN INSURANCE TODAY!

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