What is health insurance and why is it important?

HEALTH INSURANCE PLANS FAMILY HEALTH INSURANCE

Health insurance comes in handy in case of sudden illness, know its proposed plans

Health insurance is the right investment to protect you and everyone in your family. Sickness never comes out, and in today's era, a steady increase in pollution, unhealthy eating habits, stressful lifestyles, and overwork, invite many serious illnesses. Those are very expensive to treat. Our effort by this article is to ensure that the importance of medical insurance policy is understood, and that you can choose the right medical insurance for you and your family.

What is health insurance?

This is a contract in which we pay your medical expenses to the hospital on your sick person. It also reimburses expenses related to hospitalization, treatment, surgery, organ transplant etc. For this, you have to pay a premium over time. You can have a health policy for you, your spouse, dependent parents, children and other family members.

How to choose the best health insurance?

In view of the increasing medical services and increasing cases of serious health problems, it is becoming necessary to take health insurance. Under this, you do not have to face financial compulsion to get treatment in an emergency. Therefore, it is a wise decision to invest in health insurance plans.

Premium amount

Premium is the amount you have to pay after a specified interval. You can calculate the premium with the help of online premium calculator available on the website. It assesses the correct premium amount based on your age, standard of living, family members, dependents, income and your medical history. So that you can choose a policy that will cover your emergency medical expenses without putting financial burden on you.

Maximum coverage

It is worth noting that the general health insurance plan does not cover serious diseases like heart attack, cancer, stroke, organ transplant, kidney failure. They come under the Critical Illness cover.

Minimum exclusion

The Exclusion Health Insurance policy contains circumstances, cases, medical procedures, treatments, illnesses, etc., under which you cannot obtain a claim. Therefore you need to know what is permanently excluded from the policy coverage and which treatments are covered in the policy after waiting for a certain waiting period. 

Tax saving

The premium you pay for health insurance is exempt from tax under Section 80D of the Income Tax Payment Act. There is a tax exemption of up to Rs 50,000 on the premium paid for health insurance for self, dependent parents, children and spouse. However, tax amounts are dependent on your income and age. 

Additional  benefits

A good health insurance also gives you additional cover. Annual No Claim Bonus, Annual Health Checkup, Cashless Hospitalization, Ambulance Cover Reduction in Weight Period, Covid Shield, etc. Covers give you complete protection.

Care Health Insurance Company, considered one of the top health insurance providers in India,  offers a wide range of health insurance plans . These plans cater to your health needs and help you get the best medical care.

Health insurance plans

If you have care health insurance, then you do not need to worry about money during treatment. This gives you cashless facility to treat yourself and your family. For a comprehensive health insurance policy, we can check our plans below. In which you get maximum coverage at a cheap premium. Let me know about them in detail.

Care - Family Health Insurance

Care Health Insurance helps protect you and your family against the financial risks arising from a medical emergency. On your part you can be assured that when you are unwell; We will take care of your treatment related problems, so that you can remain worry-free and focus only on your recovery. The plan includes expenses for hospitalization, pre and post hospitalization, day-care treatment (which does not require hospitalization), health check-up etc.

>> Read Will my health insurance policy cover coronavirus

Care Freedom Plan - Diabetes and Hypertension Cover

Our Care Freedom Policy aims to provide freedom to live your life to the fullest. It does not require any pre-policy medical examination for all ages and sum insured. Also, in case of pre-existing diseases the waiting period is only 2 years. It is available as a family floater and individual plan for up to 6 members.

Joy Plan - Maternity and Newborn Baby Covers

Joy is a modern insurance product, which removes all the questions and uncertainties about this new chapter in the life of your family. Joy Maternity Insurance plan covers the expenses during pregnancy and after hospitalization. 

Super Mediclaim - Critical Illness Cover

Care Health Insurance offers Super Mediclaim to help protect you from the cost of critical illness. It is one of the most important policies. In this, coverage is provided for the expenses incurred in treatment when the insured person is diagnosed with any critical illness. This policy provides you coverage against 32 critical illnesses.  Under the Super Mediclaim scheme , you can choose any of these covers:

Critical mediclaim

Cancer mediclaim

Heart Mediclaim

Operation Mediclaim

Travel Insurance Policy

In addition to the Care Health Insurance policy, Travel Insurance also offers a policy. Let me know about them in detail.

Explore Travel Insurance Plan

The Explore Travel Insurance policy covers medical or non-medical expenses incurred in travel. The travel insurance plan eliminates the hassles and worries that are left unsaid on your family vacation.  Explore travel insurance policy covers emergency hospitality, medical evacuation, trip delay / trip cancellation, etc.

Student Explore Travel Insurance Plan

The Student Explore Travel Insurance Plan is designed for students going abroad to study. This plan provides new age benefits and services for you. Student travel insurance includes personal accident, travel inconvenience benefits, sponsor protection and more.

Secure Personal Accident Insurance Plan

The Secure Personal Accident Insurance Plan provides you with personal accident insurance that directly addresses every concern arising as a result of a serious accident.

Care Health Insurance gives you maximum coverage at a minimum premium. So today, protect yourself and your loved ones by investing in the best health insurance plans.

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