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Health Insurance
Health insurance in India is a type of insurance policy that provides financial coverage for medical expenses incurred by the insured individual or their family members due to illness, injury, or hospitalization. Here are some key points about health insurance in India:
Types of Health Insurance Policies
Health insurance policies in India come in various forms, including: - Individual Health Insurance: Covers medical expenses for an individual policyholder. - Family Floater Health Insurance: Covers the entire family under a single policy, with a single sum insured that can be utilized by any family member. - Group Health Insurance: Provided by employers or organizations to their employees or members, offering coverage for medical expenses incurred by the insured group. - Critical Illness Insurance: Provides a lump sum payment upon diagnosis of specified critical illnesses such as cancer, heart attack, stroke, or organ transplant. - Senior Citizen Health Insurance: Specifically designed for elderly individuals, offering coverage for age-related health issues and medical expenses.
Coverage Benefits
Health insurance policies typically cover various medical expenses, including hospitalization expenses, room rent, doctor's fees, surgical expenses, diagnostic tests, ambulance charges, and pre- and post
Reasons To Buy Health Insurance
● Rising Cost of Treatments: Medical treatments cost rise by 15% every year due to Inflation. ● Financial Security: Gives you financial security and quality healthcare access for expenses like hospitalization, day care treatments and even OPD expenses. ● Tax Benefit: Saves your tax under Section 80D up to INR 55,000 every year Once you buy a health insurance plan, you might feel relaxed that you have covered you and your family against any possible hospitalization in future. But if you don't go through the exclusion section of your policy, then you might get surprises at the time of claim. So before finalizing on any health insurance plan go through its exclusion and select the one which has least number of exclusions and are clearly defined. Pre-Existing Diseases are those which you are suffering from before opting to buy a health insurance plan, and therefore insurance companies do not cover them from day 1 of your policy. They have a waiting period ranging between 2-4 years in which they will not be liable for any claim arising on account of your pre-existing disease. Therefore you should look for health plans which will cover your existing disease and have the least number of years of waiting period.