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In contemporary times, there is a lot of fuss in the electronic media concerning health insurance? Have you ever thought about what it is? Well, a little knowledge is always dangerous. So, first things first, you need to understand the concept of health insurance as a service. Simply put forward, it is a form of service, which safeguards you from paying huge bills in case of a medical contingency.

It decreases the odds of paying huge bills if you fall sick or have an accident. All you need is to deposit smaller amounts periodically, i.e., premiums in exchange for the insurance company’s promise to pay the cost of treatment in the event of something unexpected.

Importance of Health Insurance

With the passage of time, health and medical facilities are becoming more expensive. In this backdrop, it becomes imperative to have the support of a health insurance policy. The right kind of cover can make all the difference between life and death. Hence, health insurance can

  • Offer protection from medical debt
  • You can manage your health better
  • You do not have to spend money on healthcare bills
  • You can manage health cost rising due to medical inflation
  • Provides you several treatment options

God forbids, but if you must spend a day or two in some of the reputed hospitals in India, it can cost you in lakhs. Health insurance can shoulder the majority of the expense or even the full-cost protecting you and your dear ones from unanticipated medical bills.

Categories of Health Insurance Plans

  • Hospitalization or Indemnity plans that bear hospitalization and medical costs of the policyholder to the insured sum
  • Family floater plans cover the entire family under a single health insurance plan
  • Cover plans for pre-existing diseases before purchasing a health policy
  • Health insurance policies for senior citizens or older people in the family
  • Maternity health insurance provides cover for maternity and other related expenses
  • Daily cash benefit plans that will pay the predefined amount for every day of hospitalization
  • Critical illness plans that will shoulder all expenditure covering the treatment of a critical illness
  • Top-ups / Super top-ups - These plans come handy when the threshold of existing cover is already used or exhausted.
  • Pro-active plans that are meant to assist the policyholder based on chronic conditions, lifestyle, behavioral and medical factors.
  • Disease-specific special plans.
  • Dreaded disease / Critical illness policy – This policy provides the benefit only if one gets the specified disease or group of diseases named in the policy.
  • Global Health Plan – This plan is available for Indian citizen travelling outside India for business or holidays or employment or studies. The plan covers the risk of accident and sickness benefits. These are the package products with a range of covers within one product.

Expenses Covered

The following expenses are covered in the basic health insurance policies:

  • Expenses e.g. Individual or family health insurance policies will make you eligible to claim a cover in the event of hospitalization due to illness and bodily injuries sustained in an accident during the tenure of the policy period.
    Expenses covered for inpatient treatment includes:
    • Accommodation
    • Boarding expenses inclusive of patient’s diet
    • Nursing care
    • Expenses of medically qualified staff
    • Covers cost of procedures that are medically required during treatment
    • Medical consumables
  • Pre-hospitalization Expenses e.g. examination, tests, medication etc. incurred by you before your hospitalization.
  • Post-hospitalization Expenses incurred on follow-up visits, consultations, therapy, medication etc. after your hospitalization.

Payment options

  • Cashless facility or direct payment where the insurer directly pays to the hospital and the person does not need to pay at all
  • The policyholder can opt for reimbursement from the insurer once his or her stay in the hospital is complete

At present insurance companies, provide micro insurance policies starting from INR 50,000 and its upper limit can reach to INR 50 lakhs whose tenure can vary from one year to lifetime coverage.

Choosing Wisely

If choice for more than one plan is available, compare each plan on the following grounds:

  • Coverage’s
  • Co-insurance
  • Co-payment
  • Room Rent / ICU Capping
  • Pre-existing diseases
  • Exclusions

What Is Health Insurance?

In contemporary times, there is a lot of fuss in the electronic media concerning health insurance? Have you ever thought about what it is? Well, a little knowledge is always dangerous. So, first things first, you need to understand the concept of health insurance as a service. Simply put forward, it is a form of service, which safeguards you from paying huge bills in case of a medical contingency.

It decreases the odds of paying huge bills if you fall sick or have an accident. All you need is to deposit smaller amounts periodically, i.e., premiums in exchange for the insurance company’s promise to pay the cost of treatment in the event of something unexpected.

Importance of Health Insurance

With the passage of time, health and medical facilities are becoming more expensive. In this backdrop, it becomes imperative to have the support of a health insurance policy. The right kind of cover can make all the difference between life and death. Hence, health insurance can

  • Offer protection from medical debt
  • You can manage your health better
  • You do not have to spend money on healthcare bills
  • You can manage health cost rising due to medical inflation
  • Provides you several treatment options

God forbids, but if you must spend a day or two in some of the reputed hospitals in India, it can cost you in lakhs. Health insurance can shoulder the majority of the expense or even the full-cost protecting you and your dear ones from unanticipated medical bills.

Categories of Health Insurance Plans

  • Hospitalization or Indemnity plans that bear hospitalization and medical costs of the policyholder to the insured sum
  • Family floater plans cover the entire family under a single health insurance plan
  • Cover plans for pre-existing diseases before purchasing a health policy
  • Health insurance policies for senior citizens or older people in the family
  • Maternity health insurance provides cover for maternity and other related expenses
  • Daily cash benefit plans that will pay the predefined amount for every day of hospitalization
  • Critical illness plans that will shoulder all expenditure covering the treatment of a critical illness
  • Top-ups / Super top-ups - These plans come handy when the threshold of existing cover is already used or exhausted.
  • Pro-active plans that are meant to assist the policyholder based on chronic conditions, lifestyle, behavioral and medical factors.
  • Disease-specific special plans.
  • Dreaded disease / Critical illness policy – This policy provides the benefit only if one gets the specified disease or group of diseases named in the policy.
  • Global Health Plan – This plan is available for Indian citizen travelling outside India for business or holidays or employment or studies. The plan covers the risk of accident and sickness benefits. These are the package products with a range of covers within one product.

Expenses Covered

The following expenses are covered in the basic health insurance policies:

  • Expenses e.g. Individual or family health insurance policies will make you eligible to claim a cover in the event of hospitalization due to illness and bodily injuries sustained in an accident during the tenure of the policy period.
    Expenses covered for inpatient treatment includes:
    • Accommodation
    • Boarding expenses inclusive of patient’s diet
    • Nursing care
    • Expenses of medically qualified staff
    • Covers cost of procedures that are medically required during treatment
    • Medical consumables
  • Pre-hospitalization Expenses e.g. examination, tests, medication etc. incurred by you before your hospitalization.
  • Post-hospitalization Expenses incurred on follow-up visits, consultations, therapy, medication etc. after your hospitalization.

Payment options

  • Cashless facility or direct payment where the insurer directly pays to the hospital and the person does not need to pay at all
  • The policyholder can opt for reimbursement from the insurer once his or her stay in the hospital is complete

At present insurance companies, provide micro insurance policies starting from INR 50,000 and its upper limit can reach to INR 50 lakhs whose tenure can vary from one year to lifetime coverage.

Choosing Wisely

If choice for more than one plan is available, compare each plan on the following grounds:

  • Coverage’s
  • Co-insurance
  • Co-payment
  • Room Rent / ICU Capping
  • Pre-existing diseases
  • Exclusions

Eligibility Criteria For Health Insurance Plan!

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Age Criteria:

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.

Other Criteria:

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.


Key Benefits and Features!

Ambulance Charges

Cost for transferring the patient to Hospital or between Hospitals in Hospital Ambulance or an ambulance provided by ambulance service provider.

Cashless Facility

Cashless facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in accordance with the policy terms and conditions are directly made to the network provider by the insurer to the extent pre-authorization is approved.

Cumulative Bonus

Cumulative Bonus means any increase or addition in the Sum Insured for continued renewal with no claims granted by the insurer without an associated increase in premium.

Day Care Treatment

Day care treatment means medical treatment, and/or surgical procedure which is:

  • Undertaken under General or Local Anaesthesia in a hospital/day care centre in less than 24 hrs because of technological advancement, and
  • Which would have otherwise required hospitalization of more than 24 hours. Treatment normally taken on an out-patient basis is not included in the scope of this definition.

Domiciliary Hospitalization

Domiciliary hospitalization means medical treatment for an illness/disease/injury which in the normal course would require care and treatment at a hospital but is actually taken while confined at home under any of the following circumstances:

  • The condition of the patient is such that he/she is not in a condition to be removed to a hospital, or
  • The patient takes treatment at home on account of non-availability of room in a hospital.

Free Look Period

All new individual health insurance policies, except those with tenure of less than a year shall have a free look period. The free look period shall be applicable at the inception of the policy and

  • The insured will be allowed a period of at least 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable.
  • If the insured has not made any claim during the free look period, the insured shall be entitled to:
    • A refund of the premium paid less any expenses incurred by the insurer on medical examination of the insured persons and the stamp duty charges or
    • Where the risk has already commenced and the option of return of the policy is exercised by the policyholder, a deduction towards the proportionate risk premium for period on cover or
    • Where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period.

Free Health Check up

At the end of every continuous claim free periods of 1 year/2 year/3 year/4 year one can claim for free medical check-up for the amount specified in the Health Policy.

Guaranteed Renewability

Domiciliary hospitalization means medical treatment for an illness/disease/injury which in the normal course would require care and treatment at a hospital but is actually taken while confined at home under any of the following circumstances:

  • A health insurance policy shall ordinarily be renewable except on grounds of fraud, moral hazard or misrepresentation or non-cooperation by the insured, provided the policy is not withdrawn.
  • An insurer shall not deny the renewal of a health insurance policy on the ground that the insured had made a claim or claims in the preceding policy years, except for benefit based policies where the policy terminates following payment of the benefit covered under the policy like critical illness policy.

Hospitalization

Expenses incurred as in-patient in a Hospital for accommodation, Boarding Expenses including patients diet as provided by the hospital/nursing home,nursing care,the attention of medically qualified staff,undergoing medically necessary procedures, and medical consumables.

Pre hospitalization Medical Expenses

Pre-hospitalization Medical Expenses means medical expenses incurred during predefined number of days preceding the hospitalization of the Insured Person, provided that:

  • Such Medical Expenses are incurred for the same condition for which the Insured Person’s Hospitalization was required, and
  • The In-patient Hospitalization claim for such Hospitalization is admissible by the Insurance Company.

Post hospitalization Medical Expenses

Post-hospitalization Medical Expenses means medical expenses incurred during predefined number of days immediately after the insured person is discharged from the hospital provided that:

  • Such Medical Expenses are for the same condition for which the insured person’s hospitalization was required, and
  • The inpatient hospitalization claim for such hospitalization is admissible by the insurance company.

Tax Benefits u/s BOD

Deductions under section 80D
Situations based on ageEligible deduction limits (up to Rs.)Total eligible deduction limit under section 80D (up to Rs.) (including Rs. 5,000 on preventive health checkup)
Medical Insurance Premium paid in respect of
Medical Insurance Premium paid in respect ofParents (whether dependent or not)
No one has attained age of 60 Years25,00025,00050,000
You and your family is less than 60 years & Parents are above 60 years of age25,00030,00055,000
You and your parents have attained the age of 60 years and above30,00030,00060,000

Importance of Health Insurance!

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Protection of Health

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Productive Utilization of Own Savings

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Protection against Rising Health Expenses

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Source of Credit

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Financial Support during Emergencies

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Types of Health Insurance Plans!

Classic

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Comprehensive

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Enhance Platinum

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Exclusive

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Family Health Protector

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Individual Health Protector

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Medi Classic

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MediCare

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MediCare Premier

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MediCare Protect

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Optima Restore

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Premium

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Redcarpet

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Supreme

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Standard

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What Is Cashless Medical Insurance? What Are The Benefits?

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The major benefits of cashless health insurance plans are:

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  • ........

Factors That Affect Health Insurance Premium!

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Why Should You Buy Health Insurance!

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Why Should You Compare Health Insurance?

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How Easy Policy Helps You To Choose The Best Health Insurance Plan?

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We Provide Easy Process

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Fast Access to Information

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Guidance through Claim Process

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Paperwork Is Extremely Easy

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Our Advanced Feature Filters Are a Great Help

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What is Health Insurance Portability? What Are the Benefits?

What is Health Insurance Portability?

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How do you apply for medical insurance portability?

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What are the benefits of Medical Insurance Portability?

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  • Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
  • Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
  • Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
  • ........

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