Health Insurance

What is Health Insurance?

A health insurance policy covers medical expenses for illnesses or injuries.  Due to the high cost of hospitalization expenses, it is important to have a health insurance plan in place.  Having health insurance can keep you from incurring medical bills you can’t afford to pay out of pocket.

Types of Health Insurance

Individual Health Insurance

Individual health insurance is a policy that you can buy to cover yourself, your spouse, children and parents. This type of insurance policy covers your medical expenses related to injuries and illnesses, including your hospitalization, cost of surgery, room rent, daycare procedures and much more.

Family Floater Health Insurance

Family floater health insurance plan is beneficial as the premiums are comparatively less as compared to individual health insurance policies. This policy can cover you, your spouse, children and parents. If you or the eldest member of your family is below 60 years of age, then you should buy a family floater policy.

Senior Citizens Health Insurance

A senior citizen policy, if your grandparents are above 60, will provide coverage for cost of medicines, hospitalization due to accident or illness, treatment and treatment before and after hospitalization. Along with these, some other benefits like domiciliary hospitalization and psychiatric benefits are also included.

Group Health Insurance

Group health insurance policy is designed for a group of employees working together. So if you are the owner of a start-up or a corporate house, you must buy such plans for your employees. It is a kind of benefit given to the employees. As an employer, you can buy cover to boost the rate of employee retention.

Critical Illness Insurance

Critical illness insurance render to middle class families, this health plan covers the diseases like, Cancer, Stroke, Kidney Failure, Paralysis. Treating these diseases is a costly affair. Under this plan, as soon as you are diagnosed with the disease, it will pay you a agreed amount irrespective of the actual cost of the treatment.

Maternity Health Insurance

Maternity health insurance for newly wedded couples or families who are planning for a child in the coming years should buy this policy. This plan includes child-delivery, infertility expenses, and coverage for the newborn up to its first 90 days. The Maternity Cover has a minimum waiting period of 2 years.

Benefits of Health Insurance:

A medical insurance plan is extremely important because the prices of medicines and hospital treatments are rising day by day. The reasons that will make you understand the importance of having the best health insurance plan:

Tax benefits
Peace of mind
Financial security
Free health check-ups
Family health protection
Cashless Hospitalization Facility
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          Health insurance policy covers the expenses incurred due to hospitalization. This includes inpatient treatment, pre and post hospitalization charges, home remedies.
          You will need to fill out a health declaration and an endorsement form and the new member will be added to your existing family floater for an additional amount.
          The pre-policy health check-up depends on the plan chosen and the pre-existing diseases, if any.
          In certain situations you may be eligible for reimbursement of overseas treatment, such as pre-diagnosis planned hospitalization, outpatient treatment, and second opinion in case of sudden illness during travel.
          You cannot take an independent policy for a child of 3 years. Children below 5 years of age are covered only if both the parents are covered under the policy
          No. Family insurance only covers 2 adult and 2 children. You need to buy a separate insurance policy for parents.

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