Why let injury or sickness slow you down when you can avoid that through health
insurance? An affordable health plan takes away that extra burden from your mind
when you are in a difficult situation. Some policies can even lower the costs of
regular check-ups, medication, etc.
Get the health insurance you need, quote several name brand insurance companies,
compare the premiums against the coverage and purchase online, through cheap and
affordable health insurance with
What does health insurance cover?
The coverage of private health insurance generally varies. It tends to provide all
the essential health benefits that can otherwise put you into a financial deadlock.
It takes care of medical expenses for the ambulance, hospital room, supply of oxygen
and blood, various medical tests and many other costs involved during an accident
or in case of sudden hospitalization and illness. Given below is a broad picture
of the coverage offered by a private health insurance policies:
- Ambulance charges
- Emergency service charges
- Pre and Post Hospitalization
- Pre-existing disease expenses
- Prescription drugs
- Laboratory services like medical tests
- Critical illness
- Preventive and wellness services
How health insurance works?
When a Health insurance policy is purchased, the insurance company agrees to take
care of the medical bills that the insured incurs. The amount that can be claimed
by an individual is limited to the sum insured. For this, the insured needs to pay
a specific amount every month towards the health policy as premiums. Certain hospitals
and medical centers have been identified by the insurance companies that come within
its purview (referred to as Network Hospitals). The insured will receive financial
cover for those centers. If you have to undergo treatment of some kind, you should
notify the insurer and then:
- Go to any one of the network hospitals and get the treatment done. The insurer will
settle bills directly as long as it is within the cover of the policy. This is called
- Get admitted into the hospital (available under the insurer’s requirement) of your
own choice. After the treatment is done, settle the bills yourself and later file
for claim reimbursement. This is the Reimbursement Policy.
Variety of Health policies in India.
- Individual – This policy covers only the insured (the individual in whose name the
policy has been purchased) against various illnesses with cashless hospitalization
and other features.
- Family Floater – This is to get coverage for not only the insured but also his/her
family members under a single policy. A fixed sum is insured for each of the members.
It can be either availed by the individual member or as a sum total for the treatment
of one person.
- Surgery & Critical Illness - This is to cover expenses of treatment for critical
illnesses like cancer, kidney failure, heart attack, paralysis etc. and also for
any surgeries involved.
- Senior Citizen – This is to provide you coverage for sicknesses during old age.
- Preventive Healthcare – Coverage for expensive preventive care treatments which
include consultation charges and other tests or X-Ray fees concessions.
Purchasing a Health Insurance Plan.
Our far-reaching partnerships, consumer advocacy and industry expertise turns complex
health insurance information into an objective, user-friendly format and simplifies
the process of your search, comparisons and purchase of the most affordable health
plans that best suit your needs.
The documents required under normal conditions are generally proof of age, address
and identity. Other specific documents might be required only if the insurer needs
to undergo any kind of medical tests.
Health Insurance Prices: Quote, Compare And Save
Buying health insurance at PolicyBachat is simple, fast and easy! Decide the coverage
you want, then quote it with a handful of name brand companies and get quotes and
coverage from the carriers. We aggregate premiums, coverage and deductibles, without
What’s in it for you?
- Obtaining comparative rates online from multiple insurers in less than a minute.
- No filtering of quotes. Insurance rates are presented as it is.
- All the prices offered are directly from the insurance companies so it is the best
rate the company can offer.
- It's fast and easy.
- Free insurance consultation to help you feel empowered and confident in your decision-making
We strive to deliver the best e-commerce experience for you. We help you compare,
buy, and use the health insurance products, tools, and information offered by our
trusted partners to protect your well-being.
By now you must have understood the importance of a
Health Insurance Policy in every person’s life and the necessity to get
the best health policy that can take care
of your and your family’s health needs. The reason why we always talk about the
most appropriate and the best health insurance
is because a mediclaim policy is not just
a means to save tax or any other trivial documents. Hence, it’s important to purchase
the medical insurance that suffices your
medical needs and prevents you from running out of funds in case of a medical emergency.
As already discussed, the best medical insurance
is one which not only provides coverage for all that you require but also gives
you maximum additional benefits at great premium rates. Now the question is how
to get this ideal mediclaim insurance policy.
Comparison is the best way to get the perfect deal. Policybachat is one such platform
that enables you to compare health insurance
policies and purchase it online. Now you no longer have to run behind different
company agents trying to get quotes for
mediclaim health insurance or pay extra cash on your premium in the form
of agent commission. Use our health insurance calculator to get premium quotes from
various insurers, compare them and buy the mediclaim
insurance that takes care of your requirements and not render too heavy
on your pocket. For more information on health
insurance India, you can contact our experts at 1800 123 4006 / 1800 123
4003 or chat with them at www.policybachat.com.