Health Insurance always provides a financial aid spend on your health. And It eliminate your worry about huge bills after the medical treatment and assure you that somebody is there to repay you’re all bills spend on medical treatments. Before having a Health insurance we must learn about the policy type available in market and according to that we must act.
An Overview
Indian market is so huge that it has many type of plan depend on local mass and company. But there is some key point and according that key point all policy is made by company. These key points are –
1 – Comprehensive Health Insurance coverage:
As it called a Comprehensive means full coverage of medical expenses including hospitalization cover but at same time also creating a health fund to cover any other health expenses. It include the expenses such diagnostics, medicines and doctor visits which are normally not come in the clause of any medical policy.
2 – Hospitalization Plans
Hospitalization plan are made to cover the all hospital expenses happen after your hospitalization. In this category company offer different payment structure and have limitation on the hospitalization cost. It compensation is based on the plan you have or what plan company is offering. Before purchase the such plan you must consult with someone who know much about the policy.
3 – Critical Illness Plans
These types of policy are mainly cover very critical health hazard like hearth attack, organ transplants, stroke, and kidney failure etc. It made to cover all expense related those health hazard and limited to there only. If you are also suffering from this health hazard then I suggest you that please buy a plan according to your health status. Who what will happen in future and everyone knows this kind of disease are need big treatments and require constant doctor check up and consultant. And one cannot ignore.
If you have a plan according to the your need then you are all expenses are covered by the policy and you will get a better treatment. It is like just transfer your tension to the company and live life very happily.
4 – Specific Conditions Coverage
It offer you insure coverage for specific disease like diabetes or cancer. It covered the certain complications happen due to the diabetes or cancer. Policies also provide Disease Management programs which are comes under the policy plan depends on plan only.
These type of policy have lots of terns and condition based on the company strategy. But if we compare it with others then you find it is equalant to each other but only clause are different and also premium is different.
I am having some policy from the ICICI Prudential which is really good and very popular in market. It very people friendly and having a good business, they are following –
- Health Saver
- Hospital Care
- MediAssure
- Crisis Cover
- Diabetes Care Active
- Diabetes Assure
- Cancer Care