Health Insurance

Health insurance basically offers money related security for financial protection brought by critical illness, surgeries, maternity, accidental injuries, etc. depending upon the policy type.

Why do you need Health Insurance?

Due to unhealthy dietary patterns and accidents, there are constant threats which leads to diseases leading to prolonged treatments and hence health insurance nowadays has turned into a need.

Types of Health Insurance

Individual Health Plan

This plan is intended to shield a whole family from unexpected medical expenses. This plan is basically for an individual person who wants a health cover for himself while a family person goes for an insurance policy which is made for the family which covers the policyholder, dependent children, spouse.

Family Floater plan

The health plan is intended to shield an individual from medicinal costs happened because of a crisis.

It covers individual health insurance policy covers full hospital expenses that includes health check-ups, OPD, maternity cover, pre, and post hospitalization expenses fees etc.

Critical Illness Insurance Plan

As the name suggests, it refers to the serious health condition which is fatal and affects a person's day-to-day routine. It covers heart attack, muscular dystrophy, permanent paralysis, cancer, kidney failure etc. It can be claimed once the policyholder is diagnosed with any such critical illness which is specified in the policy.

Pre-Existing disease cover

It covers the diseases or illness that a person has before buying the policy. These are waiting period in such case.

Health policy for Senior Citizen

This policy is basically for old people whose age is more than 60+ years. The expenses become difficult to manage with growing age. This policy helps to manage all the unexpected medical expenses, it helps them in leading a peaceful life.

The Insurance Regulatory and Development Authority (IRDAI) has mandated that 60-65 years is the minimum entry age bracket for senior citizen health insurance and granted lifetime renewability.

Preventive healthcare

It includes preventive health check-ups which are done in order to be one stage in front of the disease by diagnosing it timely. Preventive care treatments like regular preventive check-ups and other tests. It is better to prevent it on time rather than regretting later.

Maternity Health Insurance

One should be ready financially while expecting a baby. The doctor suggests checkups, consultations, follow-ups etc. The insurance generally covers:

  • Treatment cost for childbirth complications
  • Medical cover for infants diagnosed with a genetic disorder or any critical illness.
  • Ambulance fee, room charge, delivery expense, and consultation fee.
  • Pre-hospitalization expenses.
  • Post-hospitalization

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