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Health Insurance is also known as Mediclaim. It helps you to cover expenses related to hospitalisation arising out of any accident or medical disease. Once you buy Health Insurance, all or part of your expenses incurred in hospital will be paid by the Insurance company.
It covers only a single Individual under the Health Insurance Policy. Insurance policy will cover medical expenses related to hospitalisation, injury, room rent etc.
It covers the whole family of 2 or more person under a single health insurance policy. Insurance Cover under this policy can be utilised by 1 person or all the members covered under this policy. This is beneficial because the premium is comparatively lower as compared to Individual Health Insurance policy for all members
Group Policy is mainly designed for corporates where group of employees are working together. This policy is offered to employees at a very low cost premium.
Medical Expenses are increasing day by day therefore you should buy insurance cover which is sufficient at the time of claim. Insurance cover of 10 lakh and above is a good cover to buy Health insurance.
Room Rent is the most critical feature of any Health Insurance Policy as it has direct effect on Claims. Look for Policy which has minimum of Single Private Room and preferably No Limit.
You need to be sure that insurance company is paying the complete bill at the time of claim therefore look for policies with 0% Copay clause.
Waiting Period for any Existing Disease can lead to claim rejection if any claim arises between that period, therefore look for policies with least waiting period.
You would not want to end up paying from your pocket first and than getting that reimbursed by insurance company after 15-20 days, therefore it is better to look for policy which has tie up with Hospitals in your area.
Most of the people give highest importance to Premium while buying Health Insurance but in fact you should evaluate your requirement first and than whichever insurer provide best value at the lowest price should be considered for buying health insurance.
1 Critical Illness or Major accident can wash away your hard earned savings of lifetime. Health Insurance helps you to keep your savings intact by providing financial assistance at the time of emergency.
With Health Insurance you will not have to worry about financing the hospital bills for emergency situations like accident or any illness. You will have complete peace of mind without worrying about future.
Health Insurance not only covers treatment for accident but it will also cover critical illness like Cancer, Heart Attack, Paralysis etc.
Existing Disease at the time of buying the policy will have waiting period of 1-4 years but you can be rest assured as these will get covered after the waiting period is over.
Health Insurance will provide Cashless Treatment at the Network Hospital which means you do not have to pay hospital bills upfront from your pocket, insurance company will directly settle the hospital bills.
Premium paid for Health Insurance is eligible for deduction under section 80 D which means you will save tax on it. You will be able to get tax deduction of upto Rs. 75,000 in a financial year.