Health Insurance

What is Health Insurance

Health insurance policy secures your finances again sudden medical expenses it is a comprehensive policy for you and for your family disgust to cater most of your common healthcare needs it comes with an option to include your family under one policy which is called a family floater you can choose a coverage for your family health insurance

Health insurance covers the medical expenses of the insured due to illness or medical in exchange for a premium amount it enables the insurance company to provide a medical coverage for hospitalization expenses day care procedures and critical illnesses and other medical conditions a health plan also offers multiple benefit which includes cashless hospitalisation and free medical checkup.

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Learn More About Health Insurance

Categories	Specifications
Sum Insured	₹50,000 to up to ₹3 crore
Maternity Cover	Available
Pre & Post-hospitalization Expenses	Covered
OPD Cover	Available
ICU Charges	Covered
Free Health Check-ups	Available
Pre-existing Diseases	Covered*
Ambulance Cover	Available
Day Care Procedures	Covered
Tax Benefits	Up to ₹75,000 per financial year

Checklist before buying Health Insurance

You should buy a health insurance policy with a minimum waiting period, lower waiting lower the waiting period you will be able to avail coverage faster.

Co payment:

One should opt for a health insurance plan with no copayment generally the copayment applies when a customer is buying a health insurance policy for the first time after completion of 60 years of age better to go with a plan with no copayment it helps to get the health insurance policy without making any out pocket expenses

No claim bonus you should pick a health insurance policy which has got maximum no claim bonus it helps to increase your overall health insurance cover by up to 50% any 100% in certain cases.

Network hospitals:

you should choose a health insurance company with the largest network of hospitals in India most of the health insurance companies now do provide with a wide range of network hospitals. Network hospital helps to get the coverage in case of any hospitalization without paying the money from your pocket as they are already associated with that particular health insurance company.

Why one should buy a health insurance

Beat medical inflation an insurance policy will help you to pay your medical bills including pre and post hospitalization today as well as in the future despite of the rising medical cost it is advisable to have a good health insurance coverage.

Afford quality medical treatment health insurance helps you to get the best quality of medical treatment and care so that you can focus only on getting cured.

Protect your saving it helps you to protect your money covering you for the medical expenses so that you can avail the required treatment without any financial worries.

Cashless hospitalisation unique feature of health insurance is to obtain a castes heart hospitalization facility at any of the network hospital of your insurance provider by raising a cashless claim.

Tax benefit you can get tax benefit under section 80 d up to ₹75,000

Peace of Mind it allows you to obtain a medical treatment with piece of mind as you do not have to pay any amount which depletes your cash savings or don’t have to ask money from anyone in case you are low on cash so help in health insurance helps you paying your hefty hospital bills.

Eligibility Criteria to Buy a Health Insurance Plan

The eligibility criteria to buy a health insurance plan depends on a number of factors such as the age of the policyholder, pre-existing diseases, etc. In most health insurance plans, the following eligibility criteria should be met:

Criteria	Specifications
Age Criteria for Adults	Entry age for Adults: 18 to 65 years
Age Criteria for Dependent Children	Entry age for Children: 90 days to 25 years
Pre-medical Screening	Above the age of 45/55/60 years
Pre-existing Disease waiting period	2 years to 4 years

Age Criteria -

The entry age criteria for adults and children varies and can range from 18-65 years and 90 days to 25 years respectively. The actual age can vary from one medical insurance policy to another.

Pre-medical Screening -

Pre-medical examination is required for applicants mostly above the age of 45 years or 55 years. However, most of the senior citizen health plans require pre-medical tests before policy issuance.

Pre-existing Diseases -

Any pre-existing illness is covered after the completion of the waiting period i.e. 2-4 years. Most health insurers ask the applicant if they are going through any medical conditions like blood pressure, diabetes, cardiovascular diseases, kidney problems, etc. at the time of buying a health insurance plan. If you are a smoker or an alcoholic, then you need to disclose it to the insurance company.

Do not keep it as a secret as it may cause problems at the time of claim settlement. It can even lead to rejection of you claims. Based on this criterion the insurance company decides to offer medical coverage to the applicant.

Tax benefit you can get tax benefit under section 80 d up to ₹75,000

Myths about health insurance I am healthy I do not need medical insurance my health insurance will cover all medical expenses declaration of pre existing disease smokers are not eligible to buy a health insurance medical insurance will only cover hospitalisation expenses if I am covered under group corporate health insurance policy I should not buy a health insurance

Health insurance can now be available 2 people who already have a diabetes all blood pressure so it is a good news that people with a pre existing disease can also avail health insurance benefit

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