Do you have enough financial resources to sustain yourself through a medical emergency? Can you afford good health care and medical facilities within available resources? Are you prepared to incur the health care costs as your family grows and you age?
If the answer to any of the above is “no”, then you need a Health Insurance plan or a mediclaim as it is commonly referred to. You need it even if your employer provides it so as to maintain continuity during uncertain employment times.
Health insurance is like a contingency plan to deal with medical expenditure that may arise at a later stage in life. It gives access to a better health care by providing the required financial assistance.
When we decide to buy a Health Insurance plan, we evaluate the benefits of the policy but at the same time its essential to assess the limitations (exclusions and caps in technical terms) as well.
Weighing things up in time make all the difference when we are in need. It becomes necessary that we understand the terms and features of various insurance policies available, compare rates, cover provided, specific features and exclusions and then decide.
Know before you buy:
Insurance cum investment plan
Financial Security to your child's future
Financial support to prime moments of child's life
Addition of specific riders
Why do I need health insurance if I am young and healthy?
Do I need separate health insurance if my employer is providing it?
How much health insurance do I need?
What type of health Insurance should I take?
What is Individual Health Insurance?
What is Family Floater Health Insurance?
What does Health Insurance cover?
What are exclusions?
What is cashless treatment?
Why do I need reimbursement if my insurers provide facility of cashless treatment?
What are network hospitals and why should I look for them?
What is room-rent capping?
What happens if I do not make a claim in the whole year? What is no claim bonus?
What is loading?
What is co-payment?
What are Riders and add-ons?
What is a critical care policy?
What is Personal Accident Policy?
What is a Senior Citizen Health Policy?
What is Hospital Cash?
Does health insurance cover me for maternity or pregnancy related expenses?
Does health insurance cover consultation and diagnostic charges?
Till what age will I be covered?/ What is the upper age for a health policy?
Can I and my family be covered under the same policy if we are staying in different cities in India?
Does health insurance cover alternate medicine like naturopathy or ayurveda?
Can I buy more than one health policy?
Do I need to undergo a medical examination before buying the policy?
What is the waiting period when I buy a policy?
Can I seek treatment at home and be reimbursed for it under health insurance?
What are day-care procedures? Are they covered by my health policy?
What is the minimum and maximum policy duration?
What is coverage amount?
How many claims can I make during a year?
What is a pre-existing disease?
How does the insurance company decide if a disease is pre-existing?
Am I entitled to buy health insurance if I have a pre-existing problem?
I am a foreign national. Am I entitled to buy a policy in India?
What happens if I want to cancel my health policy?
Does a company have the right to deny health insurance to a person?
What happens to the coverage after I file the claim?
Who gets the claim if the policy owner dies during a treatment?
What documents do I need at the time of buying a Health Policy?
Do I get tax benefit if I buy Health Insurance?
What determines the premium of my Health Insurance?
Family Health Plans
Senior Citizen Plans
Two Wheeler Insurance
Expired two wheeler Insurance
Tax Saving Plan
Individual Travel Insurance
Personal Accident Insurance
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