Health Plans

Health Insurance Plans

Health insurance plans insure you against unexpected medical emergencies and keep your family’s finances stable during such a testing time. Keeping in mind the rising medical costs and spurt of diseases buying a health insurance is mandatory. A medical emergency can knock anyone’s door and impact a person both emotionally and financially. As a result, financial advisory suggest that it is prudent to buy health insurance plan and health care policy early in life.

Benefits of buying health insurance plan

Complete transparency
No cheating
Correct advice and guidance to help you buy the best health insurance policy
Online issuance of policy
24 X 7 assistance
Assistance in claim reimbursement
Hassle free and quick process

Co-pay

Co-pay is a fixed percentage of the hospital bill you will have to pay when you make a claim, while the balance will be paid by the insurance company.

Waiting Period for Pre-existing Diseases

Pre-existing diseases are classified as diseases/conditions that a person has before buying health insurance. All pre-existing diseases aren't covered from day one of buying the policy.

Lifelong Renewable

The duration of coverage is the most important factor in buying a health insurance policy. Your health is most likely going to deteriorate only in your sunset years so ensure that your coverage is lifelong and not for a few years.

Room Rent

Your room preference during hospitalization matters (such as shared room, private room or private room with high-end facilities). A costlier room means you'll pay higher treatment and hospitalization charges!

Your current age

Lower premium for younger buyers

Members included

The premium depends on the number of insured members.

Room preference

Your room preference during hospitalization matters such as shared room, private room

Pre-existing medical condition

Your premium will depend on any pre-existing medical conditions.

Assess Your needs

You can't choose your relatives. Luckily, you can decide which family members to include in your health insurance policy. The second important thing is your room preference during hospitalization such as shared room, private room or private room with high-end facilities.

Extra-Coverage for Critical Illness

A smart health insurance policy is one that covers you for bolts out of the blue - medical expenses for critical illnesses like cancer, stroke etc.

Know Your Budget

Consider your budget in order to avoid a huge premium. Don't pick all the options available under the insurance policy.

Read the Fine-Print

The devil is in the details. Always read the "Terms & Conditions" of the policy i.e. features that are not covered under the policy.