After life insurance health insurance policies are perhaps the most insurance policies required by human beings today. Health is slowly and steadily becoming a major matter of concern for most individuals today. Since most of us today have joined the rat race and every one wants to be rich and successful the one major thing that we are neglecting is our most precious asset health.
Ailments like Heart problems, diabetes, stroke, renal failure, cancer etc were rare till a few decades back but with every passing day these dreadfully diseases are getting more and more common by the day. Treatment is India is no longer cheap. In order to get treated by a good specialist or doctor one has to pay through his nose. Even daily hospital charges are sky high. In order to assist you in the event of an unforeseen health problem health insurance has been introduced.
Most of the renowned companies in India provide comprehensive health insurance polices. These insurance companies have a tie up with the reputed hospital spread across the country. These health insurance policies cover all the costs incurred before hospitalization, during hospitalization and after hospitalization. There are two types of health insurance policies offered by the popular insurance companies in India.
Types of Health Insurance in India
Individual Health Insurance
The most popular form of health insurance policies are the Individual Mediclaim policies. Offered by most of the reputed insurance companies in India the individual health policies insure you against any illnesses. The policies cover the hospitalization expenses for an individual for up to the sum assured limit. The insurance premium is dependent on the sum assured value.
Family Floater policy
Another common policy that is ruling the insurance sector today is the family health insurance policy. The unique feature about this policy is that with the payment of a single premium the entire family is covered against illnesses. This policy also entitles the insured or his spouse of kids to cashless hospitalization and all other benefits that are enjoyed by an individual with an Individual Health Insurance policy.
Health Insurance - Benefits
Below is a list of the advantages of a comprehensive Health Insurance policy
Most of the Family Health insurance policies offered by the insurance companies in India protect you and your family which includes your spouse and two children under a single policy.
One single health insurance policy covers the entire family.
You or any of your family members is entitled to cashless facility in case of hospitalization due to illness. This facility covers a wide network of renowned hospitals spread across the country.
Some of the reputed insurance companies also provide Cash benefits to the insured during the time of hospitalization.
Pre and Post Hospitalization Expenses are taken care of by most of the health care providing insurance companies.
The policy generally covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization.
Every claim free year entitles the ensured to an additional amount known as cumulative bonus.
The health insurance policies also include Ambulance Charges.
Health insurance policies entitle you to regular free health Check ups
The premiums paid for health insurance policies exempt the insured from paying Income Tax Under Section 80 D of the Income Tax Act
source: http://business.mapsofindia.com/insurance/health-insurance/
Ailments like Heart problems, diabetes, stroke, renal failure, cancer etc were rare till a few decades back but with every passing day these dreadfully diseases are getting more and more common by the day. Treatment is India is no longer cheap. In order to get treated by a good specialist or doctor one has to pay through his nose. Even daily hospital charges are sky high. In order to assist you in the event of an unforeseen health problem health insurance has been introduced.
Most of the renowned companies in India provide comprehensive health insurance polices. These insurance companies have a tie up with the reputed hospital spread across the country. These health insurance policies cover all the costs incurred before hospitalization, during hospitalization and after hospitalization. There are two types of health insurance policies offered by the popular insurance companies in India.
Types of Health Insurance in India
Individual Health Insurance
The most popular form of health insurance policies are the Individual Mediclaim policies. Offered by most of the reputed insurance companies in India the individual health policies insure you against any illnesses. The policies cover the hospitalization expenses for an individual for up to the sum assured limit. The insurance premium is dependent on the sum assured value.
Family Floater policy
Another common policy that is ruling the insurance sector today is the family health insurance policy. The unique feature about this policy is that with the payment of a single premium the entire family is covered against illnesses. This policy also entitles the insured or his spouse of kids to cashless hospitalization and all other benefits that are enjoyed by an individual with an Individual Health Insurance policy.
Health Insurance - Benefits
Below is a list of the advantages of a comprehensive Health Insurance policy
Most of the Family Health insurance policies offered by the insurance companies in India protect you and your family which includes your spouse and two children under a single policy.
One single health insurance policy covers the entire family.
You or any of your family members is entitled to cashless facility in case of hospitalization due to illness. This facility covers a wide network of renowned hospitals spread across the country.
Some of the reputed insurance companies also provide Cash benefits to the insured during the time of hospitalization.
Pre and Post Hospitalization Expenses are taken care of by most of the health care providing insurance companies.
The policy generally covers relevant medical expenses incurred 60 days prior to and 90 days after hospitalization.
Every claim free year entitles the ensured to an additional amount known as cumulative bonus.
The health insurance policies also include Ambulance Charges.
Health insurance policies entitle you to regular free health Check ups
The premiums paid for health insurance policies exempt the insured from paying Income Tax Under Section 80 D of the Income Tax Act
source: http://business.mapsofindia.com/insurance/health-insurance/
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