Health Insurance In India
Types of Health Insurance Policies in India One needs to ensure the security of health of oneself and the family as well. With the increasing cost of healthcare and medical treatments across private hospitals in India, health insurance has become almost mandatory for everyone. Health insurance ensures not only health security but also hassle-free claim reimbursement. In today’s world of advancements, people have different choices even when it comes to buying health insurance. There are various plans readily available in India to cover every aspect of a medical emergency. Some popular types of policies are explained below: Individual Health Insurance Policies: This health insurance policy is designed to cover an individual against various illnesses with cashless hospitalization and other add-on features.
The entire sum insured is available for only one individual and the premium is determined by the age of individual covered under the policy. It is a policy where each insured member is entitled to the entire amount separately. Family Floater Health Insurance Policies: With this health insurance policy, you can cover all your family members against diseases under a single cover. This cover offers a fixed sum insured for the family members that can be availed either by an individual member or as a sum total for treatment of one person. Family floater Mediclaim cover offers a fixed sum insured for the family members that can be availed either by an individual member or as a sum total for treatment of one person.
Senior Citizen Health Insurance Plans : This health insurance in india designed especially for senior citizens, offering protection from health issues during old age. According to IRDA, every insurer must provide cover for people up to the age of 65 years. Preventive Healthcare: Undoubtedly health care is expensive and who wants to fall sick; anyways. So, now we have preventive health care that offers to take care of you and not let your fall sick. This includes preventive care treatments like regular checkups, consultation charges and other tests or x-ray fees concessions. The idea is to monitor your health at timely intervals and provide overall health care benefits. Preventive Healthcare is medical care rendered not for a specific complaint but focused on prevention and earlydetection of diseases. Some health insurance policies limit coverage for preventive care services, while others encourage such services.
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