Know Your Health Insurance?

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Know your health insurance
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• 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.

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• 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.

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• 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.

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Hospitalization Plans
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• 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.

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Critical Illness Plans
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• 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. 

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Personal Accident Plan
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• 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. 

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

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Thank You