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    Our current lifestyle and food habits can affect the quality of our health in the future. Diseases due to changing lifestyles such as cardiovascular diseases, diabetes, hypertension, are on the rise. Moreover, medical costs are no longer cheap with a significant increase in the rate of healthcare inflation. The rise in prices of medications and surgical treatments is also estimated to increase. Medical emergencies can arise at any moment, and it is better to be financially prepared during such testing times.

    Benefits of Health Insurance

    Comprehensive Coverage:

    Buying a policy online will help you tackle health-related issues and avail the best possible medical treatment without worrying about expenses.

    Cashless Treatment:

    Generally insurance companies have tie-ups with hospitals, known as network hospitals that offer cashless treatment to the insured in case of hospitalisation. These hospitals reimburse the expenses related to treatment availed by the insured. This means, you can avail treatment at these hospitals without paying anything for the medical expenses incurred, and the insurance company will reimburse you for the same later when you make a claim. Note that the claim will be approved if it is made in accordance to the terms and conditions mentioned under the policy.

    Portability Benefits:

    Health insurance portability allows the policyholders to transfer their existing health insurance policy to a new health insurance provider. It safeguards customers from being taken for granted by the insurance companies, thereby giving them flexibility and offering them better options in case they are not satisfied with their existing health insurance plans.

    Financial Security Against Rising Medical Costs

     Considering the rising medical expenses in India, it becomes imperative to get a reliable health insurance policy on time. The policy not only offers you wide coverage, but also protects you from hospitalization expenses in case of emergency even during inflation. It not only keeps you stress free, but also takes care of your health.

    No Claim Bonus:

    Insurance companies offer No Claim Bonus (NCB) as a reward to the policyholders for not making any claim during the policy year. Also known as a cumulative bonus, No Claim Bonus is applicable to both individual health insurance plans as well as family floater health insurance plans. However, note that there is a limit of coverage that you can extend through the No Claim Bonus.

    Types of Health Insurance Plans

    We want what’s best for you and your loved ones. However, it is imperative to bear a complete understanding of different health insurance plans available in the market. This will encourage you to make an informed financial decision and pick the right health insurance policy. Read on to understand the types of health insurance plans on Finserv MARKETS.

    • Individual Health Insurance

    Medical emergencies may strike and catch you off-guard anytime. This is why it becomes critical for you to secure yourself with an Individual Health Insurance plan. This plan is designed to offer adequate medical coverage, to deal with such emergencies or unforeseen risks. With benefits like cashless treatments, pre and post hospitalization expense coverage, cover of day-care treatments and more, the individual health insurance plan is a great choice.

    Moreover, when it comes to buying health insurance, it is recommended that you buy the plan when you are young. This is because the premium payable is comparatively less when one is young, and the benefits to be reaped by the policyholder over the long run are very attractive. Hence, millennials should definitely consider buying individual health insurance.

    • Family Health Insurance

    When it is about our loved ones, we always want to go for the best. Especially when it comes to securing their health. While you can definitely go for individual health insurance plans for each of the family members, family health insurance seems a better choice.

    With this plan, a defined sum insured coverage amount is split among the family members. Being a single plan that offers coverage for the entire family, you need to pay a single premium amount, making it a cost-effective choice.

    • Senior Citizen Health Insurance

    Senior citizen health insurance plans are specifically desired for people above the age of 60 years. You can buy the policy for your parents or in-laws. It usually covers a wide range of critical illnesses, pre- and post-hospitalisation expenses, in-patient costs, daycare procedures, and more. Besides, if you have a senior citizen health insurance plan for your parents, you can claim tax deductions under Section 80D of the Income Tax Act, 1961.

    • Top-up Health Insurance

    You never know what’s destined for you! Ever wondered what would happen if you were to be hospitalized and your basic health insurance plan falls short of covering its expenses?

    With ever-rising medical costs you need to be better prepared for such a scenario. Why wait for the exhaustion of your health coverage when you can avail a health insurance top-up plan designed to take care of medical expenses after your basic health insurance policy amount is exhausted.

    • Group Health Insurance

    Offering a group health insurance is one of the perks that employers offer their employees these days. Just like any other health insurance policy, the group health insurance plan offers coverage for medical treatment costs and more.

    Knowing the types of health insurance plans available in the market can make choosing the right policy an overwhelming task. Therefore, it is suggested to compare the different policies before making any purchase.

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    How To Buy Health Insurance ?

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    Enter your Name and Mobile Number. Tell us when you plan to buy a health insurance policy and click on ‘View Instant Quotes’ to proceed.

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    Quotes customized as per your details will appear on your screen. Choose a health insurance plan which best suits your requirements.

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    Choose the tenure of the selected health insurance plan, enter the required details & proceed with the payment. And you’re done!.

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    The commonest form of health insurance policies in India cover the expenses incurred on Hospitalization, though a variety of products are now available which offer a range of health covers, depending on the need and choice of the insured. The health insurer usually provides either direct payment to hospital (cashless facility) or reimburses the expenses associated with illnesses and injuries or disburses a fixed benefit on occurrence of an illness. The type and amount of health care costs that will be covered by the health plan are specified in advance.

    You should purchase health insurance so that you don’t lose your lifelong savings while paying for medical bills in a critical situation.

    Your health insurance will either pay your hospital bills directly if opted for the cashless facility or it will reimburse any payment made by you towards medical expenses incurred due to an illness or injury.

    While eligibility age for health insurance policies differs, the general eligibility age for adults ranges between 18 years up to 65 years. The eligibility age for children lies between 90 days up to 18 years.

    Yes! You can gain coverage for self, spouse, children, dependent parents, and multiple other relationships such as parents-in-law, siblings, and others if your plan allows.

    Yes, you are free to buy another plan based on your specific medical needs.

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