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Health is the greatest wealth, but sometimes it can be deployed due to unexpected critical illnesses. Hence, it is wise to get secured with a health insurance plan. Generally popular as medical insurance, it is an agreement under which the insurer agrees to pay medical expenses for the policyholder. Under this, the insurer provides coverage for hospitalization, health check-ups, ambulance charges, and much more under the amount insured by the policyholder.
Feature
Specifications
Sum Insured
Rs. 50,000- Rs.3 crore
Room Rent
Covered as per policy terms and conditions
Pre and post hospitalization expenses
Usually 30-60 days
Day care procedures
Covered
Sum Insured Restoration Benefit
Available
Maternity and newborn expenses
Covered
Pre-existing diseases
Covered after the applicable waiting period
OPD Cover
Covered
ICU charges
Covered
Ambulance charges
Covered
Organ donor expenses
Covered
Free health check up
Covered
Tax Benefits
Up to Rs. 1 lakh under section 80D of the Income Tax
It is an agreement between the insurer and the policyholder whereby an insurance company agrees to reimburse for medical costs incurred by the policyholder during the tenure of the policy. According to the policy terms, the insured may incur medical expenses if they get ill or meet an unfortunate accident that leads to treatment at the hospital. To avail of the coverage benefits of the policy, the policyholder must pay a specific amount periodically, called a premium. The premium is determined by the insurance company and must be paid by the policyholders without any fail either monthly, quarterly, half-yearly or annually.
With rising healthcare expenses, access to high-quality medical treatment can drain your finances. Thus, to protect yourself and your loved ones financially against any critical illness every citizen must get insured under a reliable health insurance plan. Here are the top reasons why you should get coverage as early as possible:
Though savings are required to meet unexpected future expenses. But, a single hospitalization can drain your life savings in one go. However, you can overcome the situation by getting secured through comprehensive coverage provided by different insurance providers. Most commonly, the companies provide benefits for in-patient hospitalization expenses, pre and post-hospitalization expenses, day-care treatment, ambulance charges, and much more. Besides all, a variety of plans are available in the market, among which an individual can buy as per their specific requirements.
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