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Is it better to include parents in existing policy or take a separate policy for them?

Health insurance premiums are calculated on the basis of age, taking the age of the elder member into consideration. The premiums increase steeply once you cross 55-60 years of age due to the high claims ratio in that age group. To maintain the loss ratio insurance companies charge high premium from the customers and this increases the health insurance premium. It is not advisable to include parents in your health insurance policy as the premium would increase steeply. For better premiums, two policies can be taken; one for family and the other for parents.

Which is the Best Health Insurance Policy?

The best health insurance policy is the one that provides the best coverage at affordable rates and has the most network hospitals. The best Health Insurance plans can be found on the portal which is the best portal for purchasing health insurance policies online. For the best health insurance policy that suits your requirements please visit Our Portal and consult our agent before making the final decision.

Which is the Best Health Insurance Policy in India?

The best health insurance policy in India is the one that provides the best coverage at affordable rates and has the most network hospitals. The best Health Insurance plans can be found on the portal which is the best portal for purchasing health insurance policies online. For the best health insurance policy that suits your requirements please visit Our Portal and consult our agent before making the final decision.

Is Health Insurance worth it?

Health insurance is one of the most important financial planning tools available in the market. Without health insurance, you might be forced to dig out your savings and liquidate your assets in case of hospitalization. There are few people who take out personal loans to settle their hospital bills as there was no health insurance policy for them.

What is Cumulative Bonus in Health Insurance?

Cumulative bonus is the bonus given to the insured customer in the form increased sum insured for not making any claims during the previous policy period. The bonus would be added to the basic sum insured under the health insurance policy. Cumulative bonus keeps on increasing for each claim free year until it reaches 150-200% of the basic sum insured. The cumulative bonus can be utilized by the insured customer at the time of claim in addition to the basic sum insured.

How to Claim Maternity Insurance Policy?

Many group insurance firms provide maternity coverage to pregnant women. The pregnancy plan covers all the hospitalizations charges from boarding to nursing. This plan covers all the medical charges incurred during the pre and post-delivery period. This duration is predefined by the insurer. All the costs that occurred for surgeries and pregnancy complications can be claimed. Expenditures for pre and post-natal durations are provided to the insured through this plan. The maternity insurance policy covers pre and post-natal care, C-section operation, and also a vaccination for newborn baby for a specified period.

Related Question

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