Posts Tagged ‘Mediclaim’

Bajaj Allianz Health Insurance-Family Floater Health Guard

If you are looking for health insurance for your family, there are various options available to you. Bajaj Allianz’s Family Floater Health Guard is one of best health protection in the market which covers you and your family for all kind medical expenses.

The policy covers insured person for following medical expenses due to any serious sickness and accidental injuries.

1. Hospitalization Cover- It includes hospital room charges, boarding expenses, doctors fees, surgeon fees, specialist fees, operation theatre charges, ICU charges, doctor fees, surgeon fees, specialist fees, medicines and drugs, blood, oxygen, diagnostic expenses, pacemaker, etc.
2. Pre and Post Hospitalization- It covers medical expenses up to 60 days prior and 90 days after hospitalization.
3. Day Care Procedures- It covers 130 day care procedures which do not require more than 24 hours of hospitalization due to advance technological treatment.
4. It also covers cost of health check up after 4 continuous claim free policy years, subject to a maximum of Rs.1000/-
   In the event of emergency, ambulance charges are covered, subject to a maximum of Rs.1000/-
   Pre-existing diseases are covered after 4 continuous policy years.

Benefits-

1. Cashless hospitalization service at over more than 2400 network hospitals across India.
2. No medical check up is required up to the age of 45 years and for sum insured up to Rs.10Lakh.
3. Premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.

Eligibility Criteria-

1. Available for any individual age between 18 years and 55 years.
2. Policy can be renewable up to 70 years
3. Children from 3 months to 25 years can be covered.
4. Sum insured ranges from Rs.2Lakh to Rs.10Lakh.

Apollo Easy Health Standard Insurance Plan at just Rs.3/- per day

Apollo Easy Health Standard insurance is one of the low cost health insurance in the market. This plan is specially designed to suit every individuals budget, available at just starting with Rs.3/- per day.

The policy covers the insured person for in-patient hospitalization expenses for more than 24 hours of hospitalization. It includes room rent, boarding expenses, doctors fees, surgeon fees, specialist fees, anesthetist fees, operation theatre charges, ICU charges, cost of medicines and drugs, blood, oxygen, pacemaker, artificial limbs, etc.

The policy also covers pre and post hospitalization expenses, day care procedures, domiciliary treatment, organ donors expenses, emergency ambulance charges, daily cash for choosing shared accommodation, cost of health check-up, etc.

Eligibility-
This policy is open to any individual aged between 1 year to 60 years. The sum insured ranges are Rs.1Lakh, Rs.1.5Lakh, Rs.2Lakh, Rs.2.5Lakh, Rs.3Lakh, Rs.4Lakh and Rs.5Lakh. The policy can be renewed for lifetime.

Features-
The policy is available on cashless hospitalization service at over more than 4000 network hospitals (including 42 Apollo Hospitals) across India. Additional sum insured of 10% is provided for every claim free year. The premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.

Star Family Health Optima-Health Insurance for your family

There are various family health insurance policies available in the market specially designed to cover your family members. If you want to avail health insurance for your family, you can consider Star Family Health Optima for better health benefits. The policy covers your entire family on the payment of a single premium under a single sum insured.

The policy covers the insured person for in-patient hospitalization expenses for more than 24 hours of hospitalization. It includes room rent, boarding expenses, surgeon fees, consultant fees, specialist fees, anesthetist fees, medicines, drugs, etc. Room rent and boarding expenses are as per policy conditions.

It also covers ambulance charges for transporting the insured person from resident to hospital, subject to a maximum limit of Rs.750/- and overall limit is Rs.1500/- per policy period.

Pre hospitalization expenses are covered up to 30 days prior to hospitalization. A lump sum calculated at 7% towards post hospitalization, subject to a maximum limit of Rs.5000/- Pre-existing diseases are also covered under this policy. A discount of 10% is provided on premium amount  for every claim free year renewal with the company.

The policy is available for any individual aged between 5 months and 60 years. Family means, proposer, spouse and dependent children up to the age of 25 years. The sum insured ranges are from Rs.1Lakh to Rs.5Lakh.

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?