At a time where Inflation in Health Care is increasing at almost double the rate of overall inflation it has become a basic requirement to protect yourself against such expenses. Health insurance also popularly known as Mediclaim is the most basic and foremost need of today’s world.
With advancement in insurance industry it is now possible to compare and buy the Best Health
Insurance policy online in just a few clicks.
There are 2 types of products in Health Insurance
Indemnity plans reimburses the insured for the costs incurred because of the specific events. In case of Health Insurance, costs of medicines, visits to doctors, hospital stays, etc are covered by the insurer. It does not provide any additional cash benefits.
These products pay a predefined amount in case a said event occurs, irrespective of the costs incurred. It includes products such as Maternity Benefit Insurance, Critical Illness Insurance, etc.
Critical Illness Insurance
It covers more than 35 major illnesses such as
Critical illness insurance protects you against such expenses by paying a lumpsum amount on detection of any major illness defined in the list.
Maternity Insurance ensures best facilities for the child and the mother without burning a hole in your pocket. It covers all the expenses such as:
Hospital Daily Cash benefits
Daily cash benefit is a defined benefit policy that pays a predefined sum of money for every day of hospitalization. It helps you take care of non-medical expenses without disturbing your monthly finances.
Senior Citizen Health Insurance
For people above the age of 65 Years planning to buy a Health Insurance Senior Citizen plans are the best option. Senior citizen plans ensure the availability of extra care required at an elderly age. With Nominal premiums you can provide best healthcare to your Parents.
Points to keep in mind while buying Health Insurance for your parents:
Health Insurance for Heart Patients
Fast changing lifestyles and food habits have contributed to an increase in heart-related ailments by 50% in the period between 1990 and 2016. Standard Health Care Plans may not cover pre-existing conditions and are do not provide enough coverage for huge expenses brought in by Heart ailments.
Dedicated Cardiac Care Plans Provide the following Advantages
Anyone below 65 years is eligible to take this policy, with a wide range of sum insured options available from Rs 25,000 to Rs 3 Lakhs.
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