From the food we eat to the air we breathe, everything has some level of contamination. This has seen Indians getting gripped by numerous diseases. More people are visiting the hospital frequently. This is where a health insurance comes into effect. Health insurance covers up your medical and surgical expenses. In fact, banks who are associated with top-ranked hospitals have insurances in place that provides cashless treatment.
Number of people buying health insurance in India has increased dramatically over a decade. Some of the points health insurance policies cover are:
1) Cashless treatment
2) Pre and post hospitalisation fees
3) Ambulance fee
4) Routine medical check-up expenses
5) In-patient hospital expenses
6) Treatment charges of pre-existing illness
7) Treatment charges availed at home
Following are the best health insurance plans for families in 2018:
1) Religare Care: Children who are 3 months old and adults who are 18 years and above can apply for this insurance. They offer lifelong renewability services and covers 6 family members. They provide 4 years of waiting period for those experiencing pre-existence medical condition and 2 years for policy-specified diseases. The best part of the policy is that there is no limit on ICU-stay charges. You can also include additional facilities to it such as ambulance cover, personal accident covers, etc.
2) Apollo Munich Optima Restore Family: The insurance covers children who are 5 years old. For adults, the entry level begins at the age of 18. Although the maximum entry level is 65 years, Apollo Munich also offers lifetime renewability. In case of a life-threatening disease, the insurance will cover the entire expense. It also comes with a daily-cash benefit.
3) Star Family Health Optima: It is one of the best health insurance plans in India as its entry-level begins at 16 days and provides lifetime renewability. However, the insurance covers only 5 members. Yet, it offers plenty of benefits such as ambulance expenses, hospital charges, in-house treatments, etc. This insurance has tie-up with more 6,000 hospitals in India. Hence, the payments are done swiftly. You can also maintain your records through this policy.
4) HDFC Health Suraksha: It boasts of being associated with 6,600-plus network hospitals that ensures smooth procedure for the patients. All hospitalisation expenses such as consumables like gloves & surgical appliances, OT, ICU charges, etc. are covered under HDFC Health Suraksha policy. If you take the plan for 2 years, the patient is guaranteed to receive 10 per cent discount. Also, there is no age limit on entry level.
Purchasing a health insurance in India has become a must with rise in unknown diseases such as Nipah Virus. It acts as a shield in case of health emergency. It is advisable to compare different health policies and opt for a the right one that suits your family’s needs.
Number of people buying health insurance in India has increased dramatically over a decade. Some of the points health insurance policies cover are:
1) Cashless treatment
2) Pre and post hospitalisation fees
3) Ambulance fee
4) Routine medical check-up expenses
5) In-patient hospital expenses
6) Treatment charges of pre-existing illness
7) Treatment charges availed at home
Following are the best health insurance plans for families in 2018:
1) Religare Care: Children who are 3 months old and adults who are 18 years and above can apply for this insurance. They offer lifelong renewability services and covers 6 family members. They provide 4 years of waiting period for those experiencing pre-existence medical condition and 2 years for policy-specified diseases. The best part of the policy is that there is no limit on ICU-stay charges. You can also include additional facilities to it such as ambulance cover, personal accident covers, etc.
2) Apollo Munich Optima Restore Family: The insurance covers children who are 5 years old. For adults, the entry level begins at the age of 18. Although the maximum entry level is 65 years, Apollo Munich also offers lifetime renewability. In case of a life-threatening disease, the insurance will cover the entire expense. It also comes with a daily-cash benefit.
3) Star Family Health Optima: It is one of the best health insurance plans in India as its entry-level begins at 16 days and provides lifetime renewability. However, the insurance covers only 5 members. Yet, it offers plenty of benefits such as ambulance expenses, hospital charges, in-house treatments, etc. This insurance has tie-up with more 6,000 hospitals in India. Hence, the payments are done swiftly. You can also maintain your records through this policy.
4) HDFC Health Suraksha: It boasts of being associated with 6,600-plus network hospitals that ensures smooth procedure for the patients. All hospitalisation expenses such as consumables like gloves & surgical appliances, OT, ICU charges, etc. are covered under HDFC Health Suraksha policy. If you take the plan for 2 years, the patient is guaranteed to receive 10 per cent discount. Also, there is no age limit on entry level.
Purchasing a health insurance in India has become a must with rise in unknown diseases such as Nipah Virus. It acts as a shield in case of health emergency. It is advisable to compare different health policies and opt for a the right one that suits your family’s needs.
No comments:
Post a Comment