Buying health insurance?
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.
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.
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.
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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.
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.
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.
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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.
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.
Max Bupa Health Insurance Company has been formed by a joint venture between Max India Limited and Bupa which is a healthcare services company based in U.K. Through this joint venture the insurance company aims to benefit from Bupa’s over sixty years of healthcare segment experience, presence in more than 190 countries and a customer base of 29 million.
Max India also benefits the joint venture company by way of its experience in hospitals, clinical research and life insurance.
Max Bupa Health insurance company is a blend of global and local expertise and has been actively pursuing its mission of becoming the leading health insurance firm of the country by constantly raising the bar of its service standards, ensuring full commitment towards fulfillment of customer promises and establishing long term customer relationships.
Overview of Max Bupa Health Insurance Plans
Max Bupa Health Insurance Company offers its insurance products under three main categories. Max Bupa health insurance plans can be taken as both individual health plan and family health plan. The three main plans are:
Why to buy Max Bupa Health Insurance Plans?
The criteria for choosing an health insurance firm rests on the reputation of the firm with respect to customer service parameters. The following aspects make Max Bupa health insurance plans rank high among customer preferences:
Salient Features of Max Bupa Health Insurance Plans
Max Bupa Health insurance plans are well categorized and well defined plans with differential features so as to provide customized health insurance solutions. The salient features of Max Bupa Health insurance plans include:
Benefits of Max Bupa Health Insurance Plans
Exclusions of Max Bupa Health Insurance Plans
Benefits or claims may not be claimable under Max Bupa health insurance plans if those are not part of the included list. Non genuine or uncovered claims are likely to be rejected. The general exclusions include situations pertaining to self injury, suicide, mental illness, criminal acts, taking part in hazardous activities, taking part in war, cosmetic procedures, intoxicated condition casualties, casualties due to self carelessness, procedures not requiring genuine hospitalization and many more such instances.
Documents for subscribing Max Bupa Health Insurance Plans
The documents required for purchasing Max Bupa Health Insurance plans include the general documents like address proof, identity proof, proof of date of birth, income proof, medical testimonials. Documents against such proof include aadhar card, pan card, passport, electricity/gas bills, birth certificate, matriculation certificate, income statement, bank statement.
You may like to read : Check out the best health insurance plans from Max Bupa
Claim process for Max Bupa Health Insurance Plans
The claim process at Max Bupa is seamless and hassle free. If you are seeking cashless treatment then get admitted to any of the networked Max Bupa hospitals and use your card or provide your policy number and required personal and policy details to hospital authority. The claim is then settled between Max Bupa and hospital authority directly.
For reimbursement of incurred expenses, insured needs to submit all original bills and required documents along with filled in reimbursement form and after authenticity check claimed amount is released within stated time period.
Star Health and Allied Insurance offers a wide number of the various health policies that protects the insured persons’ financial goals when he/she faces medical emergency. The star group acknowledges the relationship between the economic inflation and the rise in the medical costs. In coordination with that, it formulates insurance plans and offers sufficient coverage and cost effective medical treatment to its customers.
Before zeroing down the health insurance policies, compare Star health insurance review with health insurance reviews of the other companies. Star Health Insurance takes care of all your insurance needs.
Every plan meets a variety of medical costs in its own unique ways which offers convenient, hassle free, and direct settlement of claims. There is no role of any third-party and they offer cashless facility and absolutely free medical advice on phone, anytime. This is why the insurer is the most preferred insurance provider.
The group has been ranked next to India’s leading health insurance providers. It has bagged eminent awards which are mentioned below.
1. Most Promising Health Insurance Company in 2014.
2. Claims Service Company of the Year in 2014.
3. Rated as the Best Claim Settlement Process Company in 2015.
4. Health Insurance Company of the Year in 2015.
What are the Key Features of Star Health Insurance Policies?
Out of the plethora of key features, the below mentioned are the four key features of Star Health Insurance Policies.
1. Operating Across the Nation
After operating for more than a decade in India, Star Health Insurance has gained the reputation of being the most trusted health insurance provider.
2. Customer Oriented Services
SHI offers customer oriented services and top-notch facilities at the best rates. It has set a bench mark in the health insurance sector of India.
3. Comprehensive Layer of Protection
Star Health Insurance offers various mediclaim policies to individuals as well as families which provide the comprehensive layer of protection against a variety of medical emergencies that includes emergency surgery expenses too.
4. One Stop Solution for all your Medical Needs
There are so many insurers out there that offer plenty of mediclaim plans but Star Health Insurance offers various health insurance plans with so many benefits for its clients from all walks of life.
You may like to read : 10 Smart things to compare before you buy Health Insurance in India!
What are the Benefits of Star Health Insurance Policies?
Star Health Insurance offers myriad benefits that are icing on the cake.
1. In-House Settlement
SHI Company provides in-house settlement directly and it does not rely on any third party for the claim settlement(s).
2. Hassle-free Settlements
The insurance provider is well-known for super fast, hassle-free and convenient mediclaim settlements.
3. Immediate Cashless Hospitalization
It offers immediate cashless hospitalization to its policyholders. It offers the facility of reimbursement in 7000 plus network hospitals all over the nation.
4. Wide Presence
With more than 6000 branch offices, the company has registered its wide presence all over India.
5. Individualized Doctor Visit
The insurer offers individualized doctor visit when its clients are getting hospitalized.
Insurance is a protective tool. This is the fundamental meaning of what is an insurance terminology stands for. There are many types of insurance and the most common is the life insurance. We all can at least afford to have a life insurance. Having a life insurance is not enough. You must have a legitimate health insurance policy. As the old saying goes, “Health is wealth”.
What facilities come under the health insurance or mediclaim policies?
Health insurance or popularly known as Mediclaim Health Insurance policy helps a policyholder to avail coverage on emergency hospitalization and treatment of any diseases. The hospital bills can be very high in case of a serious illness. Health insurance or Mediclaim policies help in covering up the costly expenses like:
The health insurance plan requires you to pay a small premium every year and in case of a big hospitalization emergency in the near future, your hard earned finances are secured. You can either buy a health insurance plan for yourself or purchase one for the entire family.
How to avail the best mediclaim policy?
With India’s high mortality rate, you must ensure that the health insurance plan you are going for will provide you a number of benefits in the long span. So, you need to look for the following factors to buy the best mediclaim policy in India:
• Sub-limits and co-payments are the things that help you lower your premium rate. However, you need to look closely in these factors before buying the insurance policy as lower premium does not guarantee you the best health cover.
• Claim settlement record of the company that you are going for should be good. In case of future disputes, the company should not harass you.
The key to buy best Mediclaim policy in India is to look for a comprehensive plan. Don’t blindly go for the company that gives you the lowest premium rates as it may not cover all the benefits that you need from your health insurance plan.
The network hospitals that come under the insurance companies are different and you need to look for the company having network hospitals that are much closest to you. Thus you will not have to run around with documents when you are ill and stressed.
Key benefits of having Oriental Insurance Individual Mediclaim Health Insurance policy
It is also known for offering various health insurance covers, which have various key benefits.
Individual Mediclaim Policy
This Oriental insurance mediclaim have the following benefits:
So invest your time and energy in Oriental Insurance Individual Mediclaim Health Insurance policy and see the difference.
You may like to read : Review Of Public Sector Health Insurance Policies
Health insurance is defined as an insurance policy that helps you seek cashless treatments or enable expense reimbursement if you fall ill. If an individual’s medical condition is covered under the policy, then the insurance company would be bound to make the payments. You should compare the various health insurances before buying from Tkk Health Insurance.
Before getting into details how you should compare the various insurance policies, know the importance of a health insurance.
Significance of Health Insurance
Health matters are quite concerning and so it is important to buy a health insurance policy that can meet hospitalization costs, medical outlay, laboratory test costs, medication costs and critical illness costs. However, it is quite confusing to know exactly which policy to buy, can the policy offer you all benefits, the type of illnesses covered under the policy and much more.
You should compare the various health insurance policies offered by the top insurers and try and buy the best plan. You can compare the various insurance policies on the basis of what you seek from the policies and what you can benefit from the policies.
What you look for?
Any individual opting for a medical insurance seeks coverage for surgical bills and expenses. Compare and find out which medical insurance offers cashless facility along with claim reimbursement.
Generally, an individual often seeks a fixed amount on daily basis from the insurance policy that can meet all hospital expenses. Therefore, it is important that you get a comprehensive hospital cash plan.
You may like to read : Why Cigna Health Insurance Plans is the one you should go for?
It is common in individuals to seek a handsome amount to help your family deal with daily expenses related to any critical illness of you. Also, there is the requirement of a fixed amount of cash so as to avoid financial trouble while seeking treatment for partial or total disability that leads to loss of earnings. In that case, make sure that your insurance policy can cover those expenses for you.
Make sure that your medical insurance plan offers coverage for expenses in the event of normal or caesarean delivery. Also, look for coverage and insurance that ensures your entire family during any kind of medical emergency. Also, make sure that the insurance policy offers coverage for senior citizen health issues. In that case, you should look for an insurance policy that covers senior citizen health insurance, family health plan, maternity plan, and so on.
The Different Types of Health Insurance plan you can avail in India
In our country, the increasing expenses for health costs have encouraged many insurance companies to devise health insurance policies. Remember, a health insurance is more than ensuring health security which also entails a proper hassle-free claim resolution.
Thus, log onto online and compare the different health insurance policies. This will help you select the best one that can provide adequate medical coverage for all your needs.