Health Insurance

Your body is the most priceless possession. After all, you have to dwell in it! So take care of it with a right Health Insurance Plan.

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Health Insurance in India is an insurance policy, which caters to an indidivual’s surgical and hospital costs either fully or partially arising due to an illness or an injury.


Today, along with advancement in medical technology, the costs of medical treatments have escalated, too. . This has burnt a hole in many middle-class Indian’s pockets with Health Insurance not in place.

Simply put, Health Insurance is a contract between the insured person and the health insurance company, wherein the insurance company reimburses for the medical and surgical expenses against an annual premium that the insured person promises to pay. With Health Insurance in place, the insured can avail medical aid that arises in case of any pre-planned surgery or during an emergency. There are many types of Health Insurance plans in India. It is advisable to opt for the one as per your requirement. Some of the best Health Insurance policies offer coverage for treatments that best suits your needs. This is how the insured can avail flexibility with regards to the type of medical treatment that he/she would like to undergo.



Types of Health Insurance



Cashless Claims

Individual Health Insurance

Individual Health Insurance in India is a separate health insurance plan bought for each member of the family, which offers indidivual sum assured. This type of Health Insurance is not available for groups or organizations. The Indidivual Health Insurance plan offers coverage for pre and post hospitalization, maternity and new-born, emergency medical services, critical illnesses, diagnostic tests, doctor’s consultation fees and many more. Today, due to rising medical inflation it is essential to buy health insurance in India. After all, it offers financial stability, preventive medicare, coverage for medicine and drug costs, cashless treatments as well as tax benefits.

Cashless Claims

Family Health Insurance

Family Health Insurance or Family Floater Plan is a type of health insurance that offers coverage to yourself, your dependent children, your spouse and your dependent parents against illnesses as well as various other diseases at a fixed cost. In short, this plan covers all your family members under one single plan. The sum assured and the age of the eldest family member would decide the premium of your family floater plan. Health Insurance for family offers benefits such as restoration of exhausted coverage, easy addition of a new family member, rebate on high sum-assured, increase in the sum assured, day-care treatments, daily cash allowance, ambulance charges, in-patient hospitalization, etc.



What should a good health insurance policy have ?





Experts suggest to opt for an indidivual health insurance that offers lifetime renewability

Indidivual health insurance should offer extensive coverage

A good indidivual health insurance plan should have a minimum waiting period for covering pre-existing diseases

It is best to opt for a NO co-pay health insurance plan

A good indidivual health insurance plan has a feature of No claim bonus (NCB)

Always check for the sub-limit of the indidivual health insurance plan and then opt for the same. A good health insurance plan in India always has a scope of maximum sub-limits on the health care expenses.

Medical expenses and hospitalization are tough to deal with. A good indidivual health insurance plan should offer you the highest coverage at a nominal premium rate so that your requirements during a medical emergency are taken care of.

A good health insurance plan should be opted from an insurer who’s Incurred claim settlement ratio is excellent

Certain health insurance plans tend to hike the sum insured in future with an added criteria of a requirement of a medical examination. It is therefore better to not opt for such plans. It would rather make sense to buy a health insurance plan that offers adequate coverage.



A good family health insurance should have a flexibility to increase the sum assured and add new family members easily.

Facility to avail seamless Cashless hospitalization.

A good family floater health insurance plan should include value added features such as 24*7 free telephonic medical advice, concierge services, free health check-ups, discounts on availing services of health clubs, medical stores as well as fitness centers.

A good family health insurance should have a maximum renewability age limit

A good family health insurance should have a minimum waiting period for covering the pre-existing ailments

A good family health insurance plan has a benefit of No Claim Bonus (NCB)

A good family health insurance plan also offers coverage for non-allopathic or alternative treatments like Ayurvedic, Homeopathic, etc.

Medical expenses and hospitalization are tough to deal with. A good family health insurance plan should offer you the highest coverage at a nominal premium rate so that your requirements during a medical emergency are taken care of.

The claim settlement record of your Insurer should be the highest

A good family health insurance plan should be flexible enough for portability

A good family health insurance plan should offer coverage for domiciliary expenses, maternity expenses as well as critical illness benefit

Certain health insurance companies have a flexibility of adding the extended family members in a family health insurance plan




Some of the frequently asked questions about Health Insurance.








Claims


You very well know that you’ve paid for it but are hoping to never require using it! When you file an insurance claim, you probably have suffered some type of loss or damage that is insured by your Insurer. This is when your Insurer offers you coverage and compensation for the losses covered or for the damages after validating your claim. So it is vital to be familiar with the claim process to avoid any headache at the later stage.


Your Policy


You may have bought an insurance policy, yet have thousands of queries and doubts. Our ‘Your Policy’ section is the fastest way to resolve your insurance related doubts and queries. All you need to do is attach your active insurance policy and write to us about your queries. We never let our customers down.


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Calculate your Needs?


Many questions may come in your mind before buying an insurance policy. ‘How much insurance I would need, how many years I shall invest for, what would be the premium, etc.. Insurance Calculators are life-savers. They help you know your insurance needs and assess the potential costs. Grey Font brings to you various Insurance Calculators and interactive tools to help you calculate your insurance needs. In order to get better results, ensure to enter a value in all the possible fields.



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