Good health is one of the most important aspects of life that enable a reasonable standard of living. It is common for people - and in particular, younger people - to take health for granted. However, opting for health insurance only when you fall sick is not a great idea.
Hundreds of thousands of young people in their twenties and thirties don’t think twice about their health. Working professionals are usually covered by their employer’s health insurance coverage. They also often perceive health insurance to be for the elderly. This is certainly not the case; in fact, it couldn’t be further from the truth. And Max Bupa Health Insurance Plans are the perfect solution, with six decades of experience in healthcare, serving millions of satisfied customers across the globe. What’s the big deal about health insurance? Prevention is always better than cure. It has been proven that people who have health insurance are:
What’s more, medical costs can never be predicted, so it is always better to have a good health insurance plan that covers you when you need it most. Max Bupa Health Insurance has a hospital list across the country, making it easy for its customers to access a doctor or hospital when needed. You would also do well to start investing in a good health insurance plan when you’re young when your premium is minimal and while you still have good health. This is where Max Bupa Health Insurance Plans come in handy, offering a wide range of plans for every need. Invest in your health before it’s too late There are many reasons why you should invest in health insurance, and more importantly, why you should renew it every year. Health insurance isn’t just about having a safety net when one falls ill - it is also about being equipped with broad coverage and additional benefits like medical check-ups, such as those offered by Max Bupa Health Insurance Plans. You can go a step further by customizing the perfect plan for you and your family, depending on your individual needs. Family histories differ widely, and Max Bupa Health Insurance Plans cover 29 million customers across 190 countries. So what are you waiting for? Why should you invest in health insurance when you’re young, because the primary deciding factor for your premium rests on your age - as you get older, health-related risks increase too. Max Bupa Health Insurance Plans offer you a handy premium calculator that allows you to calculate your first premium and project how your premium will increase over time. This will enable you to save accordingly for your annual premium payments. Overall, it is wise to invest in health insurance when you’re young because you will, without a doubt, benefit from the lowest premium. Play the waiting game while you’re healthy Most health insurance plans start with a waiting period - meaning that you have to wait for a certain amount of time before being eligible for maternity benefits, for example, or availing of your health insurance for surgery. If you start your health insurance plan when you’re young (and less likely to fall ill), you play this waiting game when you don’t need to cash in on your health insurance. A win-win, wouldn’t you say? In today’s day and age, lifestyle risks are everywhere From dengue and avian flu to respiratory infections from air pollution, living in today’s day and age is riddled with health risks. No matter how many air and water purifiers we buy, we are still very much at risk every single day, which is why health insurance is best invested in at a young age. Health insurance isn’t just for the big stuff Nowadays, health insurance plans cover even minor health issues that require visiting an Outpatient Department, for instance. Trivial health issues can also be paid for with health insurance, ensuring that out of pocket expenses on medical care are reduced to a minimum. Cash out when the time is right When you take a health insurance plan early, your chances of accumulating a sizeable bonus are quite high if you don't make any claims. This ensures that you can cash in when you’re older and when your health risks are considerably higher. Save on taxes when you invest in health insurance at a young age Max Bupa Health Insurance Plans offer tax exemption to policyholders. Another reason why it’s an absolute no-brainer, to invest in them at a young age. Instead of spending on another mobile phone or a night out on the town, investing in Max Bupa Health Insurance Plans will go a long way in securing your future. When you invest in health insurance when you’re young, you have more options available to you. This is precisely because you’re young. So make the most of it and get the right plan for you and your family, while you still can. For more updates and News visit Policybazaar on Linkedin
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Your health is your most valuable asset. It’s what defines how far you can get to in pursuit of your dreams and desires, and regular health checkups are one of the surest ways to be aware of your body’s current condition, the ailments it’s dealing with and the ones it's at risk of. Medical professionals recommend a complete physical checkup at least once a year. But with the high, ever-increasing costs of medical testing, a lot of people tend to disregard the value of regular health checkups, treating a necessity much the same way as they would an exorbitant luxury. The thing is, they don’t need to! A vast majority of Indians already own some sort or form of health cover. And a lot of them are just unaware that their health insurance entitles them to free health checkups. Are you one of them?
Free health checkups- myths and realities Free health checkups are a standard feature of modern-day health insurance policies. It’s also one of the most commonly ignored facets of health cover as far as the consumers or policyholders are concerned. Recent studies reveal that less than a quarter of policyholders actually utilize this facility to their benefit. Strange, isn’t it? While a large section of health insurance customers are just unaware of this feature, there are many that, while fully aware of it, choose not to make good of the facility fearing it will cause a rise in their policy’s premium. This fear is entirely unwarranted. Free health checkups are an excellent benefit, one to be drawn on to safeguard your health—the reason you purchased health insurance in the first place! How to avail free medical checkups
The concept of Claim free years and its application to your health/medical tests If you read the terms and conditions of your health insurance policy, you’re likely to come across a clause that states that free health checkups are a benefit that can only be availed after a block of four or five claim free years. If the block is for four claim-free years, it means that you are entitled to avail free checkups during the fifth year, provided you haven’t sought a claim the last four years. For more info and news visit PolicyBazaar Facebook Profile Many a time, people underestimate the importance of a big health cover supporting with feeble arguments ‘I have a sufficient cover or I am not prone to illness’ or ‘I can handle medical expenses’. Let’s take an example. Mr. Mishra had Max Bupa health insurance with Rs. 3 lakh coverage. He was living up with the notion that he was sufficiently insured until he met with an accident and the hospital expenses came around Rs.5 lakh, With no option left, his wife had to broke her FDs and children’s fund to arrange the money. If Mr. Mishra had taken up a top-up plan to supplement his health cover, he could have saved his financial goals.
You may take a sigh of relief believing that the health insurance offered by the employer will take care of your medical needs. But have you ever think what if the coverage offered by your employer's health insurance wouldn’t meet your expectations? This cover may be sufficient to pay for small medical expenditures but not for the huge one that could burn a hole in your savings or you may leave bankrupt. And not to forget that your employer offered health cover would cease once you leave the organization It is also true that bigger health cover may not suit everyone’s wallet. This is where the top-up plan comes into the picture, which not only provides high coverage but also one can avail it at an affordable rate. How top-up Plans Work? This plan works on a cost-sharing basis where the policyholder is bound to borne the medical expenses up to a decided limit. The insurer takes charge of medical expenses only if the expense crosses the deductible limit. Above that limit, the top-up plan takes care of the expenses. Under a top-up plan, sum insured is offered to range from Rs. 50,000 to 15,00,000, with the deductible falling between Rs. 30,000 and Rs. 5 lakh respectively. Top-up plan of Rs. 10 lakh cover can be purchased at an annual premium of Rs. 2,900. On the other hand, a health insurance plan with the same cover will cost somewhere between Rs. 7,450 -11,650, depending on the plan. You can save more than 50% with a top-up plan on premium. Types of Top-up plans We can categorise top-up plans into two categories. In the first one, the deductible limit is calculated on each hospitalisation. For instance, you have a base health cover of Rs. 3 lakh and a top-up cover of Rs. 5 lakh. Here you can decide Rs. 3 lakh as deductible as you can pay this money for regular health insurance. You get hospitalised with a medical expense of Rs. 5 lakh, the expense up to Rs. 3 lakh will be paid by your basic policy and above that, your top-up plan will pay the rest. But it would not cover the expenses up t threshold limit. If you don’t have the base policy, in that case, the initial 3 lakh will be borne by your and top-up plan will cove beyond that. The second category is called as ‘Super Top-up Policy’ where threshold limit is applied to the total expense incurred during hospitalisation. In case a regular health insurance cover of Rs. 3 lakh and a top-up cover of Rs 5 lakh, you hospitalised twice, where your medical bills come amounting Rs. 2 lakh for the first time and 2.5 lakh for the second, the super top-up policy will get activated during the second time as the total expenses exceed the deductible amount. 1.5 lakh will be indemnified as the amount exceeding the deductible. Amount up to the defined deductible limit will be settled through an existing policy or by the insured. Top-up plans to act as a supplementary policy to the actual health plan by offering dual benefits of low cost and higher sum insured. These plans are boon for those who enter their old age when a person is more prone to illness and medical expenses are bound to increase, so the premium is. Also, one who is covered by employer’s health insurance plan can opt for the top-up plan as well. This way you can ensure higher protection. This plan is meant to those who are looking for higher coverage in a cost-effective way. For more updates and News visit Policybazaar Google+ Page Simply knowing about the policy features, benefits or coverage is not enough for purchasing health insurance in India. Every year insurance companies bring certain changes in terms of policy coverage and benefits; so one has to be up-to-date about latest trends in the market for health insurance in India.
Choosing right health insurance is kind of a task. You need to be careful even more when you’re buying a plan for the family; you’ll come across hundreds of doubts like how much cover do I actually require? Where to shop from? Whether I can afford the premium or not? Which is the best health insurance company? Etc. When it comes to health insurance, policies offered by Star Health and Apollo Munich are quite famous among the customers. Star health insurance or Apollo health insurance is one of the sought after insurance plan that offers customized benefits. The best part is that these plans are reasonably priced and one can get comprehensive coverage at affordable prices. In this article we 4 most preferred health insurance plans in India that are famous in terms of benefits and policy coverage. Apollo Munich Health Insurance This company is quite famous for offering much-acclaimed health insurance plans and one of the best cashless facilities. The insured on choosing health insurance of Apollo Munich will be benefited wit restore facility, no claim bonus, family floater health cover which includes the entire family under a single policy etc. The coverage list of Apollo health insurance also includes no additional loading at the time of renewal, attractive sum insured, 100% NCB. It has also designed specific policies for senior citizens as well where the lifelong cover for self and spouse, 5% discount for every claim free year, cashless policy coverage in-network hospitals and no loading on renewal is offered. Apollo Munich is a joint venture between Apollo Hospitals Group and Munich Health, a leading health insurance organization. Star Health and Allied Insurance Star Health is the first standalone insurance company in India and is a joint venture of M/s ICICI Ventures Funds Management, M/s Tata Capital Growth Fund. M/s Oman Insurance Company, UAE, M/s Sequoia Capital, and M/s Alpha TC Holdings Pvt. Ltd, Singapore. Consistently recognised alongside some of the top Indian insurance companies, it has been conferred many awards and recognition. Star health insurance policy, both individual and family floater, offers comprehensive health coverage against medical emergencies and keep you at a safer side. Star health insurance offers direct in-house claim settlement without the involvement of a third party like TPA. Cashless facilities can be availed immediately and one can obtain reimbursement facility in over 700 network hospitals. Also, health insurance plans offer personalized doctors visit for the insured if he is hospitalized. Max Bupa Health Insurance Compan Max India Limited and the UK based healthcare services, Bupa joined hands and found Max Bupa Health Insurance Company Ltd. Being counted among one of the fastest growing insurance company in India, Max Bupa offers a wide array of health insurance plans. The range of plans including the coverage of hearth illness to complete hospitalisation cover are purely of comprehensive nature. The health insurance apart from basic cover also includes maternity benefits, childbirth, post-natal baby-care, vaccinations and much more. The best thing is the claim is settled directly in the house with no involvement of the third party. Health Relationship Program is specially designed by Max Bupa to its dedicated customers who are in the relationship with the company for a long time without any break. Bajaj Allianz Health Insurance Famous as a symbol of expertise, stability, and strength, Bajaj Allianz is another most preferred insurance company for opting health insurance. It received IRDA certificate in the year 2001 for hosting various insurance-related activities in India. Health insurance policies offered by them include Health Guard (Mediclaim), Silver Health (Senior Citizen) and Star Package (Family Floater). Apart from this, Hospital Cash policy that gives a defined amount on every day of hospitalisation, Critical Illness plan that offers a lump sum in case the insured is diagnosed with one of the listed critical illness during the policy tenure. It is the first company to come up with TPA while settling the claims to maintain efficiency. However, our list is not the comprehensive one. Whenever you’re up to purchase one, you should always keep a few things to consider at the time of selecting an insurance company. The insurer is the last point of your contact from whom you’ll get the incurred money or to whom you register your claim. Do your research rigorously; take help from online aggregator websites, compare the plans, look for the history of the insurance company and their claim ratio in the past, look out for their market share, size, total assets, growth ration, financial claim settlement ability, quality of service offered etc. Lastly, always check the reviews posted by the existing customers about their experience with the company. This way you will get a fair idea of their services and reputation. Finding an adequate insurance company is as important as choosing a right plan. So, take your time and select the right policy only. For more updates and News visit Policybazaar Linkedin Buying health insurance?
Getting confused? Don’t worry, we have got you covered. We can understand the problems that you’re facing in selecting the best medical insurance plan. At times, various insurance options available in the market make things really difficult for individuals. Since health insurance caters to your health, you shouldn’t take any risk with it. Try medical insurance option offered by Cigna TTK health insurance, they have formulated insurance plans to fulfill various insurance needs of it insurance buyers. Here are some seven important things that you must factor in at the time of purchasing a medical insurance policy. When comparing health plans, consider these points. 1. Age limit As we grow old, we get more exposed to the risks of falling sick. It is crucial to opt for the maximum age limit. It’s important that a medical plan offers its continuous coverage after you cross 65 years of age. In that age group, it is exhausting to purchase a fresh health insurance plan. In case you wish to opt for a family floater plan and include your parents in the plan, it’s recommended select plans that come with lifetime renew-ability. 2. Network Listed Hospitals Insurance providers offer cashless hospitalization in the event you get admitted to any network listed hospitals. Before buying a health plan, it’s absolute necessity check if any of the premiere network listed hospitals are there in your vicinity. In the event of a planned hospitalization, the distance of hospital doesn’t matter but it does matter in case of a medical urgency. 3. Waiting Periods Isn’t waiting is a super boring task? Nobody wants to wait to get the insurance benefits of a medical insurance policy. We don’t have any choice since health insurance plans come with a waiting period. Waiting period prohibits you to file any claim as per your insurance plan. Waiting period depends on insurance provider to the insurance provider. 4. Sub-limits It means an insured person get coverage for the hospitalization bills up to a pre-decided limit. The policyholder has to bear the amount exceeding this limit. Save yourself from unpleasant surprises at the time of filing a claim by going through the sub-limit clause insurance plan. 5. Day Care Procedures Thanks to technological development, a patient can undergo a medical procedure and get discharged in a couple of hours. This type of treatment is daycare treatment. Different insurers provide coverage for different daycare treatments. Make sure you check it out. 6. Add-on Features Today, healthcare costs are sky high. It’s a necessity to go above and beyond the basic insurance coverage. You can opt for the insurance plan that offers various add-ons to enhance the umbrella of your medical insurance coverage. 7. Exclusions Whatever your insurance provider doesn’t include in your insurance coverage becomes the exclusion. There are particular health conditions that aren’t covered by various health insurers. Read the policy wordings carefully at the time of comparing various health insurance plans. Make sure your medical condition (if any) isn’t excluded. For more updates and News visit Policybazaar Linkedin Page Worried about choosing the right choice for health insurance investment, here is the right and best opportunity for all the people. It has been adjudged as the best health insurance company of 2017 by CMO Asia, and it is Star Health Insurance.
It always believes that when it comes to health, there must be no compromises and hence always strives to deliver the best to its existing and upcoming customers. Plans for Family and Individuals: An array of flexible insurance plans are made available for the customers to choose from. • Family Health Optima Insurance Plan: This is a single policy, but its coverage is flexible for the whole family and is quite affordable. It also provides a health check-up benefit for every claim free year. It also acts as a cover for assisted reproductive treatment, newborn baby from the 16th day of birth, expenses of the donor for transplantation of the organ, expenses for domiciliary hospitalization for treatment that exceeds three days and cover for all day care procedures, etc. Indian citizens aged between 18 to 65 years can avail this offer, beyond 65 years of age, only renewals are available. • Senior Citizens Red Carpet Health Insurance Policy: This is a great plan for citizens aged between 60 to 75 years. In this, no pre-insurance medical test is required. Also, covers pre-existing diseases from second year onwards. Insurance up to a higher sum of 10 lakhs can be done here and guaranteed lifetime renewals are available. Now we shall discuss the advantage for choosing star health insurance for this. It is faster, hassle-free, direct in-house claim settlement. No third party interference is encouraged. Totally cashless hospitalization with a network of more than 8200+ hospitals across India. Also, facilitates its customers to maintain their personal health history data in electronic format. • Medi-Classic Individual Insurance Policy: Here in this policy, health check-up costs up to 5000Rs is issued for every block of 4 claim free years. Also, optical covers like hospital cash and patient care along with 101-day care procedures are covered here. This policy can be taken for any person between 5 months and 65 years of age. But children can be covered along with parents only. This policy can be chosen by HIV positive persons as well, but a valid proof needs to be submitted that CD 4 count is above 350 at the time of entry. Other Beneficial Plans: Above discussed ones are a few of the many policies Star Health Insurance provides, let’s have a glance at the remaining policies covered in short. Star Comprehensive Insurance policy, Star Health Gain Insurance policy, Super surplus insurance policy, Star Unique health insurance policy, Diabetes safe insurance policy, star cardiac care insurance policy, star wedding gift insurance policy, star micro health insurance policy, star net plus, star care insurance policy, star criticare plus insurance policy, star family delite insurance policy, star shri family care insurance policy, star shri individual care insurance policy, medi premier insurance policy etc. Anti-Fraud Policy: Star Health Insurance runs a policy for customer’s safety and security of their financial deposit. Its main objective is to provide a system for detection, identification, prevention, reporting of a fraud or a suspected fraud and handling of matters pertaining to fraudulent activities. They have an internal audit and inspection department and vigilance department operating in the organizational set-up whose primary responsibility shall be to identify, detect and report insurance frauds. Categorizing Fraud Areas: According to the company and its research, fraud might happen in below-mentioned cases and are very strictly monitored to avoid any such happenings before and after the procedures. • Policy Holder Fraud, • Hospital Fraud, • Fraud by Intermediaries and • Internal Fraud. All the above categories shall be under strict vigilance and seen that no fraud is committed by any source in any way. Conclusion: From the above-written article about the Star Health Insurance plans, it is very clearly evident through the policies that the company delivers what it says, and it is absolutely genuine and reliable. In matters of faith and trust, we can definitely go with them as they are the certified and most successful policy deliverers so far. For more updates and News visit Policybazaar Linkedin Page Apollo Munich follows a unique set of ideas in formulating the products based on the people’s health insurance needs. This is the reason why it has come up with the world class insurance instruments. It has embarked upon its journey to make the health treatment easy and affordable for most of the citizens of India.
The insurance provider has launched a new product which is unique in its offerings. Apollo Munich Optima Restore offer insurance benefits like never before. It is designed to offer amazing benefits that would encourage the Indian citizens to purchase this plan. Here are the details of this plan. Optima Restore Apollo Munich Optima Restore is a medical insurance plan which is formulated to offer various benefits to the insurance buyers. It is designed to provide genuine care to its buyer after they have purchased this insurance plan. The various major elements of this plan are quick claim settlement, cashless medical care, along with the lifetime renewal. This plan offers the freedom to the policyholders to seek medical treatment without thinking about the medical expenses. If an insured person exhausts the full cover during a policy year, the feature of restoring the entire cover is offered at no extra charges. Along with that, multiplier benefit provides a cumulative bonus of 50 percent when you don’t file a claim. It multiplies the sum assured by 2 when an insured person doesn’t file any claim for 2 consecutive years. The Restore Advantage The restore advantage of this insurance plan restores the basic sum assured when an insured person exhausts the full sum assured within policy duration. Insurance buyers who fall ill on a frequent basis can avail this benefit, in case he/she uses the full sum assured to undergo any treatment. He/she is eligible for using the same sum assured and use it for any health treatment when he/she falls ill again for a different ailment. The best thing is that an insured person isn’t supposed to make any payment for this cover. It helps a great deal to the individuals who fall ill/need health treatment for the second time in a year. This is a standout feature which isn’t offered by any medical insurance plan in India. As mentioned above, a benefit of the multiplier is an unbelievable feature which enhances the sum assured by 50 percent for a claim-less year. As a result, the sum assured gets doubled, when a claim isn’t made for 2 consecutive years. You can enjoy double sum insured coverage by paying the same premium amount. You may like to read : Reviews of Apollo Munich Optima Restore (OR) insurance plan Apart from that, there are various benefits which make this policy an attractive insurance plan. Offering comprehensive insurance coverage to an insured person is just one of them. An insured person enjoys the exclusive facility of lifelong renewal that lets him/her relish the cover benefits for extended time period. Apollo Munich’s insurance instruments come with an exceptional customer care and it takes pride in being one of the top fastest claims settling insurance provider in our country. Looking for a health insurance plan that offers coverage against the medical expenses that might arise out of any unfortunate events?
You are on the right page, as this article will help you to know about the best health insurance plan available in the market. CignaTTK Health Insurance is one of the best plans that offer comprehensive coverage against the expenses incurred due to a medical emergency. It is a global health services provider leader in Indian insurance market. Cigna TTK Insurance Company has provided the license from IRDA in the year 2013 and started its operations in the month of February 2014. It brought some amazing range of health insurance products along with an enhanced customer service experience to the insurance market in India. Benefits and Types of Cigna TTK Health Insurance Plan The best part of its health insurance plan is that it is accessible to everyone because it is affordable. It does this with the help of different plans that ensures a safe and secure life. These health insurance policies are designed on the basis of a potential customer’s health coverage requirements. Cigna TTK health insurance plan provide coverage at different levels and for different health problems. The following Cigna TTK health insurance plans are comprehensive in nature and protect both individual and families against medical expenses. 1. ProHealth Protect Plan 2. ProHealth Preferred Plan 3. ProHealth Plus Plan 4. ProHealth Premier Plan 5. Lifestyle Protection - Accident Care Plan 6. Lifestyle Protection - Critical Care Plan 7. ProHealth Accumulate Plan Common Benefits offered under Cigna TTK Health Insurance Plan • Cigna TTK health plans offers in-patient hospitalization expenses • Insured can avail room rent on sharing basis. • Hospitalization expenses as mentioned under the policy - Surgeon fees, OT charges, blood, oxygen, costs of anesthesia, surgical equipment, medicines, and drugs. • Pre-hospitalization expenses arising out of doctor’s fees, medication costs, diagnostic tests etc are covered for up to 60 days. • Post-Hospitalization Expenses arising out of consultation fees, diagnostic tests, medication costs etc are covered up to 90 days. • Day Care Procedures that need less than 24 hours of hospitalization. • Domiciliary treatment expenses are also covered under this plan. • Ambulance Charges is offered up to Rs.2, 000 per hospitalization. • Donor hospitalization expenses are covered. • Pre-Existing Diseases are covered after a waiting period of 48 months. • Medical emergencies abroad. • Reimbursement option. • It offers some amazing Add-On Critical Illness Cover that covers the expenses related to specific illnesses. • Entry age for buying this plan is between 18 to 65 years. • Sum insured paid out as a lump sum upon diagnosis. Tips to Buy Cigna TTK Health Insurance Plan Online While buying a Cigna TTK health insurance plan you should consider the following buying tips: Analyze your medical coverage requirements this will help you to buy the best insurance policy in the market. Once you are aware what you want out of your health insurance plan you will be able to choose a plan that includes all the coverage that you need. Compare different health insurance policies offered by Cigna TTK Insurance Company. All you need to do is visit the official website of Cigna TTK and search for health insurance plan. You will find the details of different health insurance plans offered by Cigna TTK Insurance Company. Compare these plans on the basis of different criteria like coverage, benefits and renew-ability options. You may like to read : Cigna International Health Insurance Plans Calculate the premium amount of the policy that you are going to buy. This will help you to find out the best insurance policy at the nominal premium amount. Best health insurance lets you save money that you pay during the hospitalisation and medical treatments. It is not certain that you will stay fit and fine throughout your life. There might arise such situations that would create emergence and you do not get time to think at the last moment. Moreover, the accelerating medical cost and hospitalisation are touching the sky and would also go beyond the present level within few years. It would be beneficial to all of us to secure our health and take any move freely.
Insurance Companies are offering its health insurance plans at affordable prices then why be late to grab the opportunity to secure our life. Not each of us follow the same lifestyle or have the same standard of living. This is why it becomes important to find the suitable health insurance policy at reasonable rates. Max Bupa health insurance company is probably providing insurance products at such prices to attract wider participants. Not only attractive offers but also easy access to purchase and renewal of respective policy online without any complex step. Medical examination for Max Bupa health insurance Under Max Bupa health insurance plans you need to go under medical examination so that the insurer gets to know what are the health conditions you are going through. Also, your family health check up would be done to ensure the same. This procedure is followed only during purchase of medical policy and not on renewal. Once you undergo medical check up and pass the test you can easily get health covers. The Heartbeat Plan under Max Bupa Heartbeat policy has been designed to simplify the policy terms and conditions. You get health coverage which ranges from Rs. two lakhs to two Crores. Most importantly, under Max Bupa there is no age bar and covers family members belonging to any age. There are more than three thousand hospital networks with Max Bupa and you get cashless facilities across the nation. There are options to accelerate or extend your plan if the insured thinks that the policy coverage is not enough to suit the family needs. The Health Companion plan Under health companion plan of Max Bupa the insured can directly approach to the company and there is no interference of any third party in between. This not only saves time but also lets you come forward and discuss the matter directly. You get coverage plan of rupees two lakhs to rupees two crore with minimum exclusion list when compared to other similar health insurance companies. Moreover, you get cashless facility under this plan too and the coverage extends to day care treatment and ambulance service. Before planning to purchase health insurance the proposer must be aware of the suitable needs of the family and their health conditions so that it is not too late to get insured. Max Bupa is a standalone company to provide such benefits to its customers to best suit their needs. You may like to read : Check out the best health insurance plans from Max Bupa Star Health and Allied Insurance Co Ltd is an Indian company, which offers some amazing solution related to insurance plans in the insurance market. It was claimed to be the first Insurance Company to design and launch a special insurance plans for people who are suffering from Cardiac ailments, Cardiac problems in the years 2013. This plans offers protection to the persons who had undergone Heart Surgeries.
Benefits under Star Health and Allied Insurance Co. Ltd.
1. Buy Regular Plans Star Health Insurance Plans in India are cost effective, but only when you choose to buy coverage that are essential for you. If you choose to include multiple coverage and benefits under a single health insurance plan the premium automatically get increased. Some important coverage that are mandatory under a plan are routine medical expenses like Doctor’s Consultation fees, Medicine expenses, Dentists fees and coverage for such expenses are therefore mandatory for everyone. Along with a huge hospitalization bill these small expenses can also eat way more than a couple of months’ salary or savings. 2. Don’t Compare Premiums When you are comparing health insurance plans in India, never consider comparing premiums as a primary step. Health Insurance is really important during medical emergency; you can easily compare and buy online within few minutes. Always compare the offerings of the policy first before comparing its premium rates. Because this offers a secure and the best medical facilities at top medical service providers with financial back-up. 3. Look for Maximum Renewal Age This is one of the most important things you should consider while buying a health insurance plan from the market. Check the Maximum Renewal age under the policy, which will help you to get discount on your health insurance plan. 4. Look for Limits & Co-pay Analyse your treatment wise limits and then select your health insurance plan from the market. When you choose treatment wise limits under your health insurance plan you are eligible for the amount you can claim for a particular surgery under your health insurance policy 5. Daily Cash Allowance under Health Products There are many health insurance plan that are sold in the market for example Aegon Religare Life, Tata AIG General, but there are some extra comprehensive coverage offered under a Star health insurance plan like daily cash benefit during the hospitalization . when you are hospitalised for any surgeries it require an average of 6-10 days, so the health insurance plan by Star Insurance Company offers daily cash allowance as per the sum insured selected under a plan. You may like to read : 10 Smart things to compare before you buy Health Insurance in India! The aforementioned 5 things are really important to consider before buying any health insurance plan in India. For further assistance you can contact the customer care of Star Insurance Company or you can contact an insurance agent. |
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May 2018
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