100 likes | 118 Vues
In recent years, a change in lifestyle habits and global warming has made us prone to many diseases. On the other hand, hospitalization and medical costs are extremely high. Covering yourself with a health insurance plan will save you from the risk of putting all your savings for the treatment. The insurance provider will either settle your medical expenses directly with the hospital or the amount will reimbursed after a claim. <br>
E N D
In recent years, a change in lifestyle habits and global warming has made us prone to many diseases. On the other hand, hospitalization and medical costs are extremely high. Covering yourself with a health insurance plan will save you from the risk of putting all your savings for the treatment. The insurance provider will either settle your medical expenses directly with the hospital or the amount will reimbursed after a claim. • With so many health insurance plans available in the market, you might be confused about picking a suitable plan for you and your family. Getting maximum coverage remains the top priority for many but having a brief knowledge about different health insurance plans in the market could be beneficial. • Here we have outlined the seven most popular Health Insurance Plans For Familyin India to make your choice easier. Check them out!
This is a common and one of the best health insurance policies in India. Specifically designed for individuals, this health insurance plan provides coverage against any illness and covers hospitalization and surgical expenses. The policy is in force till the maximum cover limit is reached. The policyholder will have to pay a premium amount either monthly or yearly to keep the plan active and running. Individual Health Insurance:
Designed to cover your entire family, this insurance policy provides coverage against several illnesses and offers a fixed sum assured. All the family members are eligible to claim the sum assured. A family health insurance plan is considered to be a cost-effective option than buying individual plans for each of your family members. Some insurance companies also offer considerable discounts on buying such bulk health insurance plans. Family Health Insurance Plan:
Individuals or senior citizens above the age of 60 years can claim benefits under this health insurance plan. Since old age often accompanies various health issues, the insurance provider company does not consider pre-medical tests or medical history before providing these plans. As senior citizens are more likely to claim the sum assured, the premiums to be paid are higher in such plans. The plan offers numerous benefits like cashless admission in any of the network hospitals, free ambulance transport, coverage against critical illness to name a few. Senior Citizen Health Insurance Plan
This Critical Illness Insuranceoffers additional coverage against life-threatening disorders like heart attack, cancer, kidney failure, etc. As the medical expenses are exorbitantly higher to treat such fatal disorders, the premiums are also higher. Such plans are beneficial for individuals with a medical history critical illness in their families. Unlike any other health insurance plan, no hospitalization is required to claim the money in these plans. In fact, you will receive a lump sum amount on the diagnosis of these diseases. Surgery and Critical Illness Insurance Plan
Motherhood is one of the greatest blessings in a woman's life. However, the medical expenses related to motherhood are never-ending and if you are unprepared, then you might face financial turmoil. A maternity health insurance plan covers both the delivery and new-born expenses for a mother and the baby. The policy also covers expenses related to diagnostic tests, medicines and hospitalization. Most plans also include free ambulance services and cover medical costs of the new-born babies for a few months from the date of delivery. Maternity Health Insurance Plan
Unforeseen events like accidents are common these days and can happen to anyone. Some accidents can be severe and can ruin you financially. So, it is always better to be covered than to be sorry later! A personal accident plan covers an individual against three possibilities like death, partial disability or permanent disability caused due to an accident. In case of the death of the policyholder, the nominee (usually family members) will receive a lump sum amount. Personal Accident Plan
Imagine having a perfect combination of insurance and savings within a single plan? Isn't that wonderful..! When you buy Unit-Linked Health Plans (ULHPs), the insurance company will invest a part of your premium either in shares or bonds while the remaining is used to cover your medical expenses. When the policy tenure ends, you will receive the invested amount which can be used to fulfil your other financial needs. • Although each of these health insurance plans offers diverse benefits, having them will ease your financial burden during the time of crisis. It is always better to have some money in your hand than giving up all your savings. Buy a health insurance plan today and lead a stress-free life..! Unit Linked Health Plan
For more details on Health insurancein India: • 5 Smart Tips to Lower Your Medical Insurance Premiums. Visit Here : • https://www.iffcotokio.co.in/