Often in the news we read about how life has become uncertain due to our modern life style. Whether it is a person who exercises three times a day and maintains a good diet or one who has faulty eating habits, no one is spared from the uncertainties of life. Even healthy people get hospitalized and the high cost of medical fees can mess up your financials. Health insurance plans serve as life savers to such individuals. Such plans provide coverage against hospitalization and other medical problems. Your best bet is to buy a good mediclaim policy to protect yourself from such unforeseen circumstances.
So what should I think about before choosing a health policy?
You also consider the following parameters before choosing your health policies.
• Premiums: look for policies where your premiums are lower, but the coverage is high.
• Co-payment: In such policies, individuals must pay a certain percentage (ideally 10%-20%) of the total hospitalization expense from their own pockets, upon the hospitalization of the person insured.
• No claim bonus: If you’ve not claimed insurance for a certain number of years, the chances of your insurance amount may increase.
• Maximum age period: Good health policies offer coverage for maximum age periods. Such policies cover people in their 60’s, 70’s and even 80’s.
• Wide hospital network: choose polices that offer cashless services or offer reimbursements at a wide network of hospitals.
Best health insurance plans to consider
Religare health insurance care
A comprehensive health insurance plan, Religare care is known for offering multiple benefits such as
• Coverage for expenses on room rent, ICU charges, day care procedures, ambulance charge, medical check-ups, pre/post-hospitalization.
• Coverage against any medical expenses, incurred for treatment at home, for more than 3 consecutive days.
• No upper age limit for enrolment.
HDFC ERGO Health Suraksha - Medical Insurance Plan
HDFC ERGO Health Suraksha- Medical Insurance Plan is among the best health insurance plans. It offers cashless hospitalization access to over 6000+ hospitals and health care centres countrywide and covers the following
• Pre-hospitalization expenses, in-patient treatments, domiciliary treatments and 144 day-care procedures
• Cumulative Bonus benefit on completion of every claim-free year
• Reimbursement on health check-ups after completing 4 years of cash-less service
• No sub-limits on the hospital room rents, hospital charges, specific diseases and doctor fees
Max Bupa Health Companion Health Insurance Plan
With this plan you can opt for a customized insurance policy that suits your different needs. Its main benefits are
• Covers all hospitalization, including pre and post hospitalization
• Customers can avail in-patient treatment up to the base sum insured under Aayush
• Provisions for Daily cash allowance.
Bajaj Allianz Health Guard
Bajaj Allianz Health Guard insurance policy offers the following benefits
• Coverage against pre and post hospitalization expenses including consultations, medicines, investigations, etc. as per the policyholder’s illness
• Lifelong renewability of the plan.
• Cashless facility at over 4000 network hospitals across India
You can purchase all these health insurance plans online but remember to read the fine-print of all plans before purchasing one.
So what should I think about before choosing a health policy?
You also consider the following parameters before choosing your health policies.
• Premiums: look for policies where your premiums are lower, but the coverage is high.
• Co-payment: In such policies, individuals must pay a certain percentage (ideally 10%-20%) of the total hospitalization expense from their own pockets, upon the hospitalization of the person insured.
• No claim bonus: If you’ve not claimed insurance for a certain number of years, the chances of your insurance amount may increase.
• Maximum age period: Good health policies offer coverage for maximum age periods. Such policies cover people in their 60’s, 70’s and even 80’s.
• Wide hospital network: choose polices that offer cashless services or offer reimbursements at a wide network of hospitals.
Best health insurance plans to consider
Religare health insurance care
A comprehensive health insurance plan, Religare care is known for offering multiple benefits such as
• Coverage for expenses on room rent, ICU charges, day care procedures, ambulance charge, medical check-ups, pre/post-hospitalization.
• Coverage against any medical expenses, incurred for treatment at home, for more than 3 consecutive days.
• No upper age limit for enrolment.
HDFC ERGO Health Suraksha - Medical Insurance Plan
HDFC ERGO Health Suraksha- Medical Insurance Plan is among the best health insurance plans. It offers cashless hospitalization access to over 6000+ hospitals and health care centres countrywide and covers the following
• Pre-hospitalization expenses, in-patient treatments, domiciliary treatments and 144 day-care procedures
• Cumulative Bonus benefit on completion of every claim-free year
• Reimbursement on health check-ups after completing 4 years of cash-less service
• No sub-limits on the hospital room rents, hospital charges, specific diseases and doctor fees
Max Bupa Health Companion Health Insurance Plan
With this plan you can opt for a customized insurance policy that suits your different needs. Its main benefits are
• Covers all hospitalization, including pre and post hospitalization
• Customers can avail in-patient treatment up to the base sum insured under Aayush
• Provisions for Daily cash allowance.
Bajaj Allianz Health Guard
Bajaj Allianz Health Guard insurance policy offers the following benefits
• Coverage against pre and post hospitalization expenses including consultations, medicines, investigations, etc. as per the policyholder’s illness
• Lifelong renewability of the plan.
• Cashless facility at over 4000 network hospitals across India
You can purchase all these health insurance plans online but remember to read the fine-print of all plans before purchasing one.
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