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Know Your Health Insurance

The health insurance industry is booming, today with the healthcare prices on the rise. Not having health insurance is just not an option. There are numerous schemes and offers that are designed to fit the healthcare needs of an individual or family.

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Know Your Health Insurance

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  1. Know your health insurance

  2. The health insurance industry is booming, today with the healthcare prices on the rise. Not having health insurance is just not an option. There are numerous schemes and offers that are designed to fit the healthcare needs of an individual or family. Some of them are basic health plans for comprehensive medical emergencies, fixed benefit plans like critical illness or hospital cash plans, disease-specific health plans, top-up and super top-up plans for enhanced coverage, etc.

  3. Due to the rise in the cost of good healthcare, people are opting for high value health insurance plans. These are regular Health Insurance plans, but with sum assured levels going as high as Rs. 1 crore to Rs. 6 crores – well above the Rs. 2 lakhs to 5 lakh cover that most people seek.

  4. Knowing what kind of plan and coverage you will need in your future is quite difficult. But knowing the different options you have can help a bit. With a little help from your doctor and a trusty agent you can make the right decision when it comes to the right health insurance policies.

  5. Hospitalization Plans

  6. Hospitalization plans reimburse the hospitalization and medical costs of the insured subject to the sum insured. • For this reason, the plans are also known as indemnity plans.

  7. Critical Illness Plans

  8. A critical illness insurance plan will pay you a lump sum if you contract any of the illnesses specified in your plan. • Initially this critical illness covers only included coronary artery bypass graft surgery, cancer, kidney failure, heart attack, major organ transplant and stroke. • But now insurers have begun launching plans that cover many more critical illnesses; including loss of speech, deafness, serious burns and end-stage liver and lung diseases. 

  9. Personal Accident Plan

  10. A personal accident policy would give you a lump sum payment if you meet with an accident that leaves you permanently or temporarily disabled. • A personal accident plan has four covers: death, permanent disability, permanent partial disability and temporary total disability. 

  11. Hospital Cash Policy

  12. Through this policy you can receive daily cash to look after medical and non-medical expenses during your stay at a hospital.

  13. Thank You

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