Posts Tagged ‘Health Insurance’

Reliance Healthwise Policy

Reliance Health Insurance is one of the best health care solution in the market. Reliance Healthwise Policy is specially designed to cover you and your family at affordable rates. This policy is available with two options- Silver and Standard.

Policy Coverage-

1. Covers room charges, operation theatre charges, ICU charges, doctors fees, nursing expenses, medical test, medicine and drugs, blood, oxygen, surgical appliances, etc.
2. Pre and post hospitalization expenses are covered up to 60 days and 90 days respectively.
3. Cover for day care treatments/surgeries, which do not require more than 24 hours of hospitalization.
4. Pre-existing diseases are covered after two or four years (depending on the plan you choose) of continuous policy years.
5. Hospitalization expenses are covered for organ donor.
6. Offers value added benefits such as nursing allowance, accompanying person’s expenses, cost of health check up, ambulance charges, etc.

Features-

1. Cashless hospitalization service is provided at over more than 4300 network hospitals across India.
2. No health check up is required up to the age of 45 years.
3. No claim bonus of 5% on renewal premium for every claim free year of policy.
4. Premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.

HDFC Ergo New Healthwise

HDFC Ergo offers New Healthwise, a health insurance policy which covers the insured person for in-hospital medical treatment and other related expenses for sickness and injury.

The policy covers hospital room charges, specialist fees, in-hospital medical treatment, organ donors expenses, cost of health check-up, ambulance charges, etc. It also provide hospital cash for 15 days of continuous hospitalization. All pre-existing diseases are also covered after 4 continuous claim free years.

Features-

1. Cashless hospitalization at over more than 4000/- network hospitals across India.
2. 5% bonus on sum insured for every claim free years.
3. Family discount up to 20%
4. Option to cover spouse, dependent children and parents.
5. Premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.

Eligibility-
This policy is available to anyone up to the age of 55 years. The sum insured ranges are Rs.1,00,000/-, Rs.1,50,000/-, Rs.2,00,000/-, Rs.3,00,000/-, and Rs.4,00,000/- and Rs.5,00,000/-

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?

Accident Insurance Policy

The idea of health insurance was designed by Hugh the Elder Chamberlen in 1694.

A health insurance policy is a contract made between an insurance company and an individual who wishes to get insured. Here the insured one is informed, in advanced, about the cost of health care that will be covered by health plan in the contract.

The insured person has to pay a certain amount as a premium in different modes-monthly/quarterly, half yearly; for it’s health care. The contract can be renewed on an annual or monthly basis.

Nearly every person takes health insurance due to ease in availability of it.  It is quite beneficial to a person to get health insured as taking care of ourselves is not possible every time.