Health Insurance Plans and benefits

Plans and Benefits

Insurance is embodiment of prepardeness offering a safety net when life takes an unexpected turn

Health Insurance is most important than life insurance these days. There are more Health Insurance companies than Life Insurance companies these days. As the population increased, health conditions had started coming down from normal levels. Health Insurance plans collect charges as per the coverage they give to an individual or a family for 2 adults and 2 single, senior citizens etc.

Health insurance plans

icons8-life-insurance-64 Life Insurance

Life Insurance plans would cover life and in case of total disability or death, compensation would be paid. If it is an Endowment plan, guaranteed returns would be paid at the end of the maturity period.

icons8-health-insurance-64 Health Insurance

Health Insurance provides in hospitalization due to any illness or accidental injury.  This plan covers many things like cashless treatment, Daycare treatments, Domiciliary Hospitalization, Pre- and post-hospitalization covers, Ambulance cover, Daily allowance etc.,

patient Personel Accident

Personal Accident cover is very cheap and very beneficial. In case of accidental death, an immediate sum assured would be paid. This plan also offers benefits for the child in case of the death of the policyholder. Total disability, partial disability covers are also available under this plan

medical-care Critical illness

Critical Illness cover is considered to be a blessing for many. This plan offers a lump sum payout in case of any specified illness is diagnosed. As compensation of onetime lump sum payment would be made immediately to the policyholder. The amount can be used for the treatment of the disease or for any expenses as per policyholder wants.

Benefits of Health Insurance

cashless Cash Free Treatment

If the policyholder gets admitted to an approved hospital,  cashless treatment would be available otherwise immediate payment has to be made and bills may be r reimbursed from the Health Insurance company.

calendar Annual Health Check-up

Most of Health companies offer free health checkups after one year to their customers. This helps companies to retain their clients for a long time.

coronavirus Coverage for Pre Existing Disease

Most of the Health Insurance plans that cover the pre-existing disease is also covered after four continuous year renewals.  In some companies, after 2 years also this coverage is available.

ambulance Ambulance Claim

All Health Insurance policies cover Ambulance charges for the transportation of the insured person.

bonus No Claim Bonus

If the policyholder does not use the policy coverage and no claim in a particular year, a bonus of 5 to 20 % as per policy conditions are added to the basic cover of the policy

mother Maternity Coverage

Very few companies cover maternity benefits with a 2 to 3 years waiting period. A good benefit offered by Health Insurance companies.