All about health insurance

1
Health Insurance Plans
2
All about health insurance
3
Looking at the inflation in the healthcare
sector, a supplementary investment plan can be of
real use. Buying mediclaim coverage is quite a
justifiable option to curb the health costs.
Large number of families has looked upon
mediclaim as a convenient investment, and has
made health insurance a part of their financial
plan. Health insurance comes up as the bail out
whenever an emergency emerges. But many times,
health insurance policy holders find themselves
in the state of perplexity. While health
insurance policies provide several benefits,
there are certain exclusions under which a policy
holder may not be able to raise claims. It is
critical that you about these exclusions
before buying a health insurance plan. This can
help you take necessary riders which can provide
you additional coverage against any unforeseen
health risks. Here is a quick snapshot for you.
4
Health Insurance Plans provide financial
assistance in case of hospitalization for more
than 24 hours. Depending on the plan
hospitalization charges along with doctor fee and
medicine cost is taken care by the insurer.
Healthcare plans such as maternity health makes
sure your spouse gets proper care while delivery.
Maternity health plan covers all the costs
incurred during hospitalization of spouse, so
that you just relish the joy of having your child
and leave the financial worries on the insurers.
Similarly Health plan such as senior citizen
plan makes sure the health of the old is also
cared about and whenever required proper Medicare
is provided to them. senior citizen healthcare
plan is devised to cater the health needs of aged
people and keep them financially stable.
5
Pre-existing disorders Most health insurance
plans come with exclusions related to the
treatment of pre-existing health disorders. Some
plans may not cover pre-existing diseases at all,
while there are few plans, under which you can
cover pre-existing diseases but after a certain
period of time. Naturally, the amount of
premium is higher in case of plans which cover
pre-existing diseases. It is advisable to
disclose all known pre-existing health disorders
before buying a health insurance plan. Period of
coverage Health insurance plans become
applicable only after a certain period of time.
For instance, there are plans under which you can
raise a claim only after a month of buying a
policy. These conditions are incorporated to
prevent any misuse of health insurance
plan. Insurance companies attempt to avoid claims
which are raised immediately after buying the
policy as it is apprehended that a policy
holder may be already aware of the disorder and
may have bought a health insurance policy to get
the treatment costs covered.
6

• To Know more details on health insurance
  plans
• https//www.bajajallianz.com/Corp/health-insu
  rance/health- insurance.jsp

https//www.facebook.com/BajajAllianz
https//plus.google.com/bajajallianz/posts
https//twitter.com/BajajAllianz
https//www.youtube.com/user/BajajAllianzGIC