Individual health insurance plans offer insurance protection with benefits for a single person under a single premium.
Family health insurance covers the entire family with a single premium. Under this plan, the entire amount as availed is divided among the policy members equally, which can be availed either by one or all members of a family for one or more claims during the tenure of the policy.
Senior Citizen health insurance plans provide insurance coverage to the age group of 60 years of age and above.
Critical illness health insurance plans provide a lump sum amount in case the insured is diagnosed with a critical illness such as kidney failure, paralysis, cancer, heart attack, etc.
The maternity health insurance plans offer coverage for maternity expenses incurred during both pre and post-natal care, child delivery (normal or caesarean).
Personal Accident Insurance is a rider benefit that provides insurance coverage in case of an accident leading to disability or death.
Many employers provide health coverage to their employees to care for their well-being. The group health insurance offered covers hospitalization expenses of the employee and his/her family including spouse, children or parents at a reduced cost of premium than individual health insurance.
Unit Linked Health Insurance plans offer a unique combination of health insurance and investment. Apart from giving health protection, ULHPs also build a corpus that can be used to meet expenditures that are not covered by vanilla health insurance plans.
Cashless Medical Treatment
Every medical insurance company has tie-ups with various nursing homes and hospitals across the country called ’empanelled hospitals’. If you are admitted to any one of these hospitals, you don’t need to pay anything meaning cashless medical treatment.
Coverage of Pre and Post-Hospitalization Expenses
The health insurance policy takes care of expenses incurred during both pre and post-hospitalisation. It takes into account the costs incurred during a certain number of days both prior to and post hospitalization as part of the claim.
No Claim Bonus
NCB (or No Claim Bonus) is a bonus provided to the insured if there has been no claim filed for any treatment in the previous policy year. You can avail this advantage on policy renewal.
Medical Check-Up Facility
A health insurance plan entitles you to receive regular medical check-ups.
Co-Payment
With the Co – payment feature, you can reduce the cost of your health insurance. Under this feature, in the event of a medical emergency, some amount is paid by the insured and the rest, by the provider.
