What Are The Advantages And Disadvantages Of NHIS?

Advantages of National Health Insurance Scheme are Pre & Post hospitalization expenses, Medical Consultation and treatment, Cashless treatment & Paperless Transactions, and Natural Deaths, partial disability or permanent disability due to accident. Disadvantages of National Health Insurance Scheme Rise of Hospitalization expenses, Out-patient services, Cheap treatments, Add-on Cost by hospitals, Minimum cost coverages, Health insurance covers for small group of peoples, Doesn’t cover for injury due to war, etc.

What are the Insurance Lists Can Cover Private Hospital?

The insurance coverage offered at private hospitals may vary depending on the specific insurance plan and provider. However, generally, health insurance plans may cover the following expenses at private hospitals:

  • In-patient hospitalization
  • Pre and post-hospitalization expenses
  • Daycare treatments
  • Emergency ambulance services
  • Diagnostic tests
  • Organ transplant
  • Maternity and newborn care
  • Additional benefits

What are the Types of HDFC ERGO Health Insurance Plans?

HDFC Ergo Health Insurance offers various types of health insurance plans to cater to different needs. Some of the types of HDFC Health Insurance plans include:

  • Indemnity Health Insurance Plans
  • Top Up Health Insurance Plans
  • Fixed Benefit Health Insurance Plans

What is Family Floater option in Health Insurance?

Family floater health insurance policy is the one where the sum insured can be utilised by any of the family members mentioned in the policy copy. In simple words, the sum insured floats and any member of the family can use it to get the hospitalization benefits. It is a kind of umbrella coverage available in the health insurance policy where the sum insured is not fixed on an individual basis. For instance if you take a floater health insurance policy of Rs.5 Lacs anyone in your family can use the whole sum insured without any capping on the sum insured per person.

What is initial waiting period in health insurance?

Initial waiting period or 30 day waiting period is the time where the customer has to wait before making a claim under the health insurance policy. Any accident related claims are exempt from this waiting period rule. This is also added to prevent people from taking health insurance only at the time of illness.

What is Specific disease waiting period in health insurance?

Specific disease waiting period is the time in which certain diseases or illness such as Knee replacement, Hernia etc would not be covered. The specific disease waiting period has a list of diseases which are not covered during the waiting period. In general the specific disease waiting period would range from 1 year to 2 years which differs from one company to other. The specific disease waiting period is inculcated in the health insurance to prevent people using health insurance only for treatment purpose.

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