Compare and Buy the Best Health Insurance Plan

1. Medical Insurance

2. Compare and Buy the Best Health Insurance Plan

3. There is no debating on the importance of having a medical insurance in a country like India that ranks very low on human life index. Every person must buy a good health plan that covers medical costs, hospitalization costs, treatment and laboratory test costs and even critical illness. • As is rightly said, “Health is wealth”, one must be prepared to manage such a situation in life. Don’t get confused with questions like – Which policy to buy? Does this cover everything? What are the diseases excluded from this cover? • Just compare policies from top health insurers on our website and buy a best health plan. Let us know your basic requirements and we will find the best suited health insurance quotes.

4. Types of Health Policies in India • There are various plans readily available in India to cover every aspect of a medical emergency. Some popular types of policies are explained below: • Individual Health Plan - This is designed to cover an individual against various illnesses with cashless hospitalization and other add-on features. • Family Floater Mediclaim – With this you can cover all your family members against diseases under a single cover. This cover offers a fixed sum insured for the family members that can be availed either by an individual member or as a sum total for treatment of one person. • Surgery & Critical Illness Policy – This is usually brought as a standalone policy or a rider in case of treatment against serious illnesses like- cancer, kidney failure, heart attack, paralysis etc. As the treatment of such diseases is expensive so the premium is also on a higher s

5. Pre-Existing Disease Cover - After a waiting period of 2-4 years, various policies offer a cover against the pre-existing diseases -e.g. - diabetes, hypertension, kidney failure, cancer etc. Pre-existing disease cover includes the diseases or illness that the policyholder had before buying the policy. Senior Citizen Health Plan - This offers to protect you from health issues during your old age. According to IRDA norms, every insurer must provide cover for people up to the age of 65 years. Preventive Healthcare - Undoubtedly health care is expensive and who wants to fall sick; anyways. So, now we have preventive health care that offers to take care of you and not let your fall sick.

6. How to Find the Best Medical Insurance Plan? • There are few factors that you should consider closely to make the right decision and choose the best. • Caps and sub-limits - Imposition of sub limits, co-payments or other caps might reduce the premium you pay for the insurance policy but in the long run it would alter the benefits. You should understand and assess this factor vis-à-vis your requirement and paying capacity to get maximum benefit out of a health insurance plan. • Claim settlement record - This is an important criterion to assess the credentials of a insurance provider. You should always go with a company with has good claim settlement record. Thus you can ensure that your claims and reimbursements would not be wrongly withheld. • [Source: http://www.policybazaar.com/health-insurance/health-insurance-india/]

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