Health Insurance


Health Insurance

Medical expenses are sky high these days, but were never cheap ever. The elaborate medical treatment expenses could eat into your savings meant for the future. Health insurance policies in India ensure that you get the required treatment and your pocket is still under control. Having medical insurance in India is important because the coverage helps people cover the risk of financial difficulties in the event of long illness.

Even a small treatment or an appointment with a doctor might consume a lot of money. Health insurance is a must as it saves money and covers unexpected calamities. Health insurance comes in handy to meet emergencies of severe ailment or accident. Sometimes it is associated with covering disability and custodial needs. Life is unpredictable, insurance can make it safe and secure from bearing huge loss.

Health insurance in India is affordable and carries the assurance and freedom from insecurities that threaten life now and then.

 

Types of Health Insurance

·         Health Insurance Policy for an Individual
Policy that covers the medical expenses of an Individual

 

·         Family Floater Health Insurance Plans
A single policy that secures the hospitalization expenses of your entire family excluding dependent Parents. The floater health plan covers your entire family under one policy with one sum insured and one premium.

 

 

·         Extended Family Floater Plan (Option to Include Dependent Parents or Parents in-laws)
A single health insurance policy that secures the hospitalization expenses of your extended family (up to 6 dependents) including dependent Parents or you can opt for in-laws. The floater health plan covers your entire family under one policy with one sum insured and one premium.

 

·         Top up Health Insurance Policy
Policy that covers the medical expenses beyond the threshold level/deductible you have chosen. This is a good choice if you want to add additional cover up to Rs.20lacs to you existing Insurance Policy with very less premium or If you are yet to opt for medical insurance, you can buy top-up policy to take medical insurance cover beyond a threshold limit that you can afford.

 ( product from HDFC GENERAL INSURANCE LTD.)

Policy Details Link: http://www.myhealth.ltinsurance.com/wps/wcm/connect/7567817a-7e5b-4eab-a594-f0a4ca0f8992/STU_Brochure.pdf?MOD=AJPERES&CACHEID=7567817a-7e5b-4eab-a594-f0a4ca0f8992

 

 

 

·         Senior Citizens Policy

·         Senior Citizen Red Carpet Insurance Plan is a comprehensive health insurance policy for senior citizen which covers medical expenses incurred by a person due to any illness, disease sickness, injury or accidents. Senior Citizens require adequate health care at all times and hence it becomes crucial for them to have a proper health insurance policy. This plan is offered by Star Health & Allied Insurance Company Limited and  which is specially designed for senior citizen is very popular because it covers pre-existing diseases from the second policy year.

 

Key Features of Star Health Senior Citizen Red Carpet Insurance Plan

  • Specially for individuals between the age group of 60 and 74 years
  • No medical tests are required for this policy
  • Pre-existing diseases are covered from the second policy year

Policy Details Link: http://www.starhealth.in/sites/default/files/prospectus/Senior-Citizens-Red-Carpet-health-Insurance-Policy-NEW-19.06.15.pdf

 

·         Diabetes Safe Insurance

·         Diabetes Safe is a health insurance policy which covers medical expenses incurred by a person due to diabetes. Protection against many treatments arising out of diabetes is offered by this plan for those affected by Diabetes Mellitus Type II.

 

This plan is offered by Star Health & Allied Insurance Company Limited

 

 

Policy Details Link: http://www.mediclaimsolutions.in/downloads/Star_Health_Diabetes_Brochure.pdf

 

 

·         Cardiac Care

·         Cardiac Care Insurance Policy is a unique and innovative health insurance policy launched by the Star Health for those who have undergone heart related treatment. Usually such individuals find it very difficult to get a health insurance policy and this will surely come as a big relief.  What makes it better is the fact that lifelong renewal option is available.

 

Who is Eligible to take Star Cardiac Care Insurance Plan

  • The individual should be between the age of 10 to 65 years when applying for the policy for the 1st time
  • Individual should have undergone PTCA (Stenting) which is Angioplasty or CABG (By-Pass Surgery) for the 1st time which should have been performed between 6 months and 3 years prior to the date of application for this plan

Key Features & Benefits of Star Health Cardiac Care Insurance Policy

  • The Benefits are categorized into 2 Sections.
    • Section 1 – Covers in-patient treatment expenses which require hospitalization of at least 24 hours. Pre-existing diseases are covered after 48 months of continuous renewal with any insurer in India.
    • Section 2 – Covers in-patient cardiac ailment treatment expenses which require hospitalization of at least 24 hours. Pre-existing cardiac ailments are covered from the 91st day of policy commencement.
  • Pre-hospitalization medical expenses up to 30 days prior to hospitalization
  • Post hospitalization medical expenses – Up to 7% of hospitalization expenses (excluding room rent) subject to a maximum of Rs. 5,000. This is payable only for expenses incurred within 60 days of hospital discharge
  • Lifelong Renewal is available
  • The plan has 2 options which can be availed – Gold & Silver

Policy Details link: http://www.starhealth.in/sites/default/files/brochure/Cardiac-Brochure-final-20.01.2016.pdf

 

 

 

·         Want to know the amount of insurance cover you need right now? Call us or mail us for the solutions.

·         We make customized plan as per the customer’s need and requirement.

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