Health Insurance Policies
What is Health Insurance Policies?
Health insurance Policies is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It helps individuals manage the cost of healthcare, including doctor visits, hospital stays, medications, and treatments. Depending on the policy, it may cover part or all of the medical expenses.
There are different types of health insurance plans, such as individual health insurance, family health plans, and group health insurance.It’s contract between insured person and insurance company which provide financial help for medical treament and surgical expenses for an insured person.
Our Health Insurance Policies
- Mediclaim – THis health insurance offers financial protection only for hospitalisation expenses only.
- Individual Health Insurance – This type of policy provide coverage for an individual person. The premium is based on their age, health condition and medical history.
- Family Floater Health Insurance – This policy covers the medical expenses of entire family member of the policy holder. The premium is based on the age of the oldest member of the family.
- Group Health Insurance – It is a type of plan which is boughtfor employees. It’s a incentive offered to the employees which increases their retention in the company.
- Senior Citizen Health Insurance – This plan is most ideal for individuals who are above and 60 years age ago.
- Maternity Health Insurance – This plan is for who are planning to have a baby in the coming years. All the expenses during the pregnancy, pre and post delivery and expenses of the baby till 90 days are covered in the policy.
- Personal Accident Insurance – This policy covers for accidental injuries and disabilities. It pays out a lump sum amount upon the occurence of the accident, regardless of the actual medical expenses incurred.
- Disease-Specific Insurance – This policy provide a coverage for a particular disease or condition such as diabetics or cancer.
- Critical Illness Insurance – This policy covers life threatening diseases such as heart attack, stroke, cancer, aorta graft surgery, multiple sclerosis, kidney failure, major organ transplant, paralysis,coronary artery bypass surgery and primary pulmonary arterial hypertension. This diseases have quite high and it may require multiple hospital visits over a long period.
- Hospital Daily Cash Benefit Plans – This policy offers a lump sum amount for each day of your hospitalization. The sum amount is fixed at the outset and would remain fixed irrespective of expenses.