Health insurance is insurance against the risk of incurring medical expenses among individuals.
Individual health insurance coverage helps you put your needs first, whether you’re looking for budget-friendly choices or short-term solutions that suit your unique situation. Plus when you purchase insurance from us you’ll have use of health and well-being tools that remind you to definitely live well every day.
Plus, that will help you maintain your health, every individual and family health insurance plan includes access to preventive care services at no additional charge, as well like a wide range of health and wellness resources.
Types of Health Insurance
When it comes to maintaining your health, one choice can lead to a lifetime of just living well. From medical, dental, and vision plans to life insurance, strives to supply affordable options and personalized support that may get you off and running toward a greater, healthier you.
Critical Health Insurance
A critical health insurance policy hels cover certain group of diseases as prescribed under a policy only. Because the name suggest critical health insurance, they cover all those major diseases which are either terminal or can help to eliminate the human body to a vegetative state. Some of these would include, Alzheimer’s disease, blindness, deafness, kidney failure, major organ transplant, multiple sclerosis, HIV/AIDS contracted by blood transfusion or during a surgical procedure, Parkinson’s disease.
Cashless Mediclaim
Cashless Mediclaim plans are those which allow a policyholder to get admitted right into a network hospital without the need of a paying any upfront admission fee and discharge fee because the same is paid by the health insurer. The cashless mediclaim reimbursement is capped to the stage of sum assured the individual has and the coverage’s under the plan.
Individual Health Insurance
Individual Health Insurance plan offer more protection to some policyholder, as in such a policy the policyholder can consume the whole amount alone without have to worry about sharing it with other people in his family incase of a floater policy.
Group Health Insurance
Whenever a large group of people say over 20 who work, stay or are bonded by some nature of job are prepared to get a Health insurance plan, they should opt for a Group Health Policy. Within group health policy people who may have adverse health condition can also easily get health cover because of the greater negotiating power that a group contains versus a individual policy.
Family Floater Plan
Family Floater Plans make reference to those which cover the entire family under one plan. Within family floater plan the people covered share the entire health insurance available to them. The benefit under such a plan is that since a large group of people share exactly the same insurance cover the premium to be paid is way lesser in case they all might have bought an individual plans for themselves.
Health Insurance Coverage
Travel Health Insurance
Each time a person is traveling outside the geographical boundary of his/her health insurance plan it is usually advisable that they take a Travel Health insurance plan. This really is advised so that the person in-case falls sick or has any other medical emergency abroad do not need to worry about the high cost of healthcare inside a foreign land. This is also mandatory to purchase before traveling to a certain countries.
