Posts Tagged ‘Health Insurance India’

HDFC Ergo Health Insurance-Health Suraksha

Health Suraksha is a health insurance offered by HDFC Ergo. It covers insured for all medical expenses  due to any sickness or injury.

Benefits-

1. In-patient Hospitalization – It covers hospitalization expenses including room rent, doctor/surgeon fees, nursing care, operation theatre charges, etc.
2. Pre and Post Hospitalization- It covers medical expenses up to 60 days prior and 90 days after discharge from the hospital.
3. Domiciliary Hospitalization- It covers the medical expenses for treatment taken at home, subject to a condition.
4. Day Care Procedures- It covers 141 day care procedures/surgeries which do not require more than 24 hours of hospitalization.
5. Ayush Benefit- It covers medical expenses for in-patient treatment under Ayurveda, Unani, Sidha or Homeopathy.
6. Health Check-up- It covers cost of health check up cost up to 1% of sum insured, subject to a maximum of Rs.5,000/-
7. Ambulance Charges- It covers ambulance charges up to Rs.2000/- in an emergency.
8. Cumulative Bonus- It provides cumulative bonus of 5% on sum insured for every claim free year, subject to a maximum of 50%.
9. Cashless Hospitalization- It provides cashless hospitalization service at over more than 4200 network hospitals across India.

Tax Benefit-
Premium paid is eligible for tax benefit under section 80D of the Income tax Act,1961.

Eligibility-

1. Covers individual aged between 3 months to 65 years
2. Available for an individual and for family
3. Sum insured ranges are Rs.1Lakh, Rs.2Lakh and Rs.3Lakh

Bajaj Allianz Silver Health Plan

Bajaj Allianz’s Silver Health Plan is a health insurance specially designed for the senior citizens. It covers medical expenses incurred on hospitalization treatment due to any sickness and injury.

A flat benefit of 3% is admissible hospitalization expenses are paid towards pre and post hospitalization expenses. The cost of health check ups are covered after continuous four claim free years. Pre-existing diseases are covered from the second year of the policy.

And more, Silver Health Plan comes with cashless hospitalization service, the insured can avail cashless facility at over 2400 network hospitals across country. A 20% of co-payment is admissible, if treatment is taken in non network hospitals. Waiver of co-payment is available on payment of additional premium. There are free value added service available for Bajaj Allianz Silver health policy holders.

The cumulative bonus of 5% is provided on sum insured for every claim free year, subject to a maximum of 50%. Also, a family discount of 5% is applicable under this policy. Premium paid is eligible for tax benefit under section 8oD of the Income Tax Act,1961.

The policy is available for the people aged above 46 years and up to 70 years. The policy can be renewed up to the age of 75 years. The sum insured ranges starts from Rs.50,000/- to Rs.5,00,000/-.

Max Bupa Heartbeat Gold Plan

Max Bupa’s Heartbeat Gold Plan is a health insurance that  comes with special family oriented benefits. It offers various medical benefit to you and your family for a life long period. Under this plan, the maximum of 2 adult and 2 children can be covered for a sum insured of Rs.5Lakh, Rs.7.5Lakh and Rs.10Lakh.

The policy covers insured for in-patient hospitalization treatment for more than 24 hours of hospitalization. It includes hospital room charges, operation theatre charges, ICU charges, nursing care, surgical dressings, doctors fees, cost of medicines, pathology test, x-rays, diagnostic test, prosthetic implants, etc. Pre and post hospitalization expenses are covered up to 30 days prior to admission in hospital and after 60 days after discharge from the hospital.

The policy also includes several benefits such as domiciliary treatment, day care procedures, maternity benefit, new born baby cover, annual health check-ups, emergency ambulance charges, etc.

Heartbeat Gold Plan offers cashless hospitalization service at network hospitals across country. A cumulative bonus of 10% is provided on sum insured for every renewal of policy. You can also avail tax benefit on premium paid under section 80D of the Income Tax Act,1961.

Benefits of Bajaj Allianz Health Guard

Bajaj Allianz’s Health Guard is a perfect health insurance for you and your family. It covers hospitalization, pre and post hospitalization and other related medical expenses.

Health Guard covers all hospitalization expenses for more than 24 hours of hospitalization. There is no sub limit on room rent and other expenses. It covers pre and post hospitalization expenses  up to 60 days prior and 90 days after  hospitalization. Pre-existing diseases are covered after 4 continuous policy years.

The policy also covers around 130 day care procedures, subject to term and conditions. In the event of emergency ambulance charges are covered, subject to a maximum limit of Rs.1000/-.

The policy offers cashless hospitalization service at over more than 4000 network hospitals across India. If the treatment is taken non network hospitals, 10% co-payment is applicable. Waiver of co-payment is available on payment of additional premium. The cumulative bonus of 5% is provided on sum insured for every claim free year. A family discount of 10% is offered on sum insured. Premium paid is eligible for tax benefit under section 80 of the Income Tax Act,1961.

Eligibility-
The policy covers persons aged above 3 months and up to 55 years. The proposer’s aged should be above 18 years. The policy is renewable up to the age of 70 years. Children from 6 years to 18 years can be covered, if one of parent is insured under this policy. There is no pre-medical examination up to age 45 years for the sum insured of Rs.10Lakh.

Hospital Cash Plan!

Hospital cash plans are project to pay the policyholder a gross for everyday he or she needs when treated as an in-patient.

The hidden costs to hospital care that are not been insured by mediclaim. As like, expenses occurred on imparting by family members to and fro hospital, diet expenses, sundry expenses occurred by family member staying with patient and so on are covered by the hospital cash plan.

Hospital cash carter the insured with a early cash benefit for each 24 hours spent in the hospital. Hospital care could be due to sickness or accident.

Coverage

1. Hospital cash policies dues a daily allowance as a fixed cash benefit on hospitalization.
2. The policy can be taken along with any other health insurance policies.
3. It covers incidentals or miscellaneous expenses in case of hospitalization.

Is medical insurance a must to you?

Of course you do.

medical insurance will help protect you and your family at the time of any financial constraint arises when one is hospitalized.

A medical health insurance policy is blended in such a way that it sort out your requirement in case of bad times and will proves to be your asset as a budget.

You may be questioning around so many times that “why do I need a medical insurance?

After all, I exercise daily, eat right and enjoy a good life and sleep well.”

Well, medical science and technology have made a huge tread ,so you do have a point.

But you do need to beef up yourself with the policy so that you are well prepaid to face any unexpected calamity.

In Today’s world where stress and hard work play their part and take their toll, and where an affordable medical insurance policy could help stave off much of the trauma that accompanies a medical crisis.

You Need To Ask Yourself the Following Questions Before You Buy a Medical Insurance Policy-

1. What are the various types of health insurance programs that are available to me, and which is best suited to suit the needs of my family and myself?

2. How do I choose the ideal health care plan?

3. What is ideal for me among the vast choice of health care plans before me- is it organized care- short term and long term, does it cover disabilities, and does it deal with just health insurance?

4. Can I have information on issues like private insurance, public expenditure and uninsured customers?

5. Can I afford the cost of health care?

6. Would there be a medical insurance policy that would cover the sort of services that I require?

7. Are the prescription drugs that I habitually use also covered?