Medical Insurance Plan - Compare Health Insurance Quotes Online

1. Medical Insurance Plan

2. Compare Health Insurance Quotes Online

3. People must buy the best health insurance online as it covers medical expenses, including laboratory and treatment costs, hospitalization expenses and even critical illnesses. With suitable medical insurance plan, insured must be prepared to handle such a scenario in life. • Health Insurance Types • Family Floater Health Insurance • Under this plan, all your family members are covered against diseases mentioned in a policy. It provides a certain amount of sum insured • Pre-existing Illness Coverage • Majority of policies have certain years of waiting period and after completion of this time span; it offers coverage against the pre-existing illnesses like hypertension, cancer, kidney failure, diabetes etc.

4. Ambulance Charges This feature provided by health insurance India makes policyholder free from burden of transportation charges because insurers pay for it. It is an add-on benefit and it is advisable to opt for it while buying. Co-Payment It helps to reduce the premium amount and this option wherein a pre-defined amount of voluntary deductibles declared in the health insurance plan to be paid by the policyholder. It means some amount is paid by the policyholder and the remaining expenses are paid by the insurance company. Health Check-up There are some insurance companies in India who offer free medical checkup provided insured has a good record of no claim bonus. Tax Benefits All health insurance policies are eligible for the Income Tax Exemption under Section 80D.

5. Tips to Select the Best Health Insurance • Always select a company that has good claim settlement record. It helps you to make sure that your health insurance claims as well as reimbursement would be easily done. • Sub-limits and caps might decrease the premium insured pay for the policy which in the long run would revise the advantages. So, understand and make use of this factor based on your needs and financial capacity to avail maximum advantages out of healthcare plans. • Do not select a policy only on the basis of premium amount. Make sure that it covers your needs properly. Carefully go through the policy document. • Check the terms and conditions relating to premium loading and save policyholders from paying high premiums after registering a claim. Usually, this feature won’t play a key role initially but then play an important role in the later stage. • [Source: http://www.policyboss.com/health-insurance]

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