Never Be Late In Choosing Health Insurance Plan
What Is Health Care Insurance Plan?
Health care insurance is a future investment to protect from the unexpected financial debt for medical treatment. The insurer bears he treatment expenses as per the plan. If the plan is sum assured for 5,00,000. The insurer bears the expenses up to 5,00,000, remaining if any, expenses to be borne by the policyholder himself. Avail cashless treatment in network hospitals where insurer directly pays the hospital expenses.
Different types of health insurance policies
As health care insurance policy is mandatory for every family and individual to aboard from huge expenses for emergency medical treatment. As per the individual criteria health insurance has been segregated to individual plans, listed below are some of the popular health care plans to be esteemed.
Family health care insurance
Family health cover is a single insurance policy can be claimed by every member of the family. Flexible to increase the additional member of the family with the family floater insurance plan.
Individual health policy
Individual can claim the total sum assured for treatment, the premium amount may distinguish from age and previous health reports.
Senior Health insurance
Specially designed for senior citizens above 60 years, benefits include in-patient, pre and post hospitalization, organ donor, emergency ambulance, cashless claim optional and eligibility for tax exemption.
Critical illness insurance
It is prudent to insure yourself from a serious illness like cancer, heart strokes, kidney failure, major organ transplantation, artery bypass surgery. Critical illness cover helps to get covered in all adverse illness cases that ruin you financially.
Maternity insurance policy
Medical insurance policy covers pre and post-natal care, C-section operation and also a vaccination for newborn baby for a specified period.
Why health insurance?
Increased risk of deadly diseases
Emerging deadly and non-preventive virus ruins the lives of many all over the world and increases in heart attacks, cancer diseases at the early stage In India proves we are in danger zone. Risk of diseases increases from the age of 35 Years. Due to adverse food habits, life expectancy rate of average Indians is 68.35 years is less compared to world expectancy rate of 71.5 years. The risk involved in affecting deadly diseases has been increased. To protect ourselves from unfortunate illness health care policy is mandatory for every individual.
Every family(individuals) are planning to get their health care insurance plan to avoid future financial loss. An unfortunate accident is unpredictable it will be a tough time to pay for medical treatment. Be wise in taking health care insurance to secure you and your family from serious medical illness.
Get tax exemption up to 55,000 u/s 80D of Income Tax Act 1961. Tax exemption is given by the Government to encourage an individual to get the health care insurance policy.