We all want to be healthy. Devoid of our efforts and good intentions, sometimes ill-health becomes inevitable. With the changing time private hospital healthcare has become costly. Health insurance will help in recovering from ill-health without damaging your finances.
Health insurance policy or mediclaim policy or medical insurance policy provides cover for hospitalization or other expenses for health related issues. There are many health insurance policies in India and choose one that suits your needs and premium is low.
cover for self, The expense covered under this policy depends on the sum assured.
cover for self and family members. This is costly than individual as all family members are included. The limit depends on the sum assured
Cover for employees. This cover is provided by employers for employed individuals. Bulk insurance is taken by employer from insurance company.
It covers the proposer from the major critical illness diseases which are listed in the policy. At occurrence of critical illness fixed sum assured is given as lumpsum amount.
Cashless facility or cashless hospitalization.
Pre and Post Hospitalization expenses
Daily Allowance cash while at hospital (Commute, food etc)
Expenses for periodic health checks facility
Cost of medicines, Diagnostic tests and other expenses
Miscellaneous expenses: (dental treatment, expenses incurred on hearing aids, spectacles etc.)
Ambulance charges
No Claim Bonus. This is given as premium reduction or increase in SA at renewal
Tax benefits ( 80 D ) - The premium paid towards health insurance is also eligible for tax benefit under section 80 D of the Income Tax Act
The premium of insurance policy depends on various factors like age and prior medical history. The older the individual the higher will be the premium. Moreover past claim history also affects the premium rates.
Disclaimer: Please note that the information provided is collected from insurers online sources and other publicly available resources & which we believe to be reliable. Policy2Day doesn't warrant the accuracy, reliability & absoluteness of information provided on the website. Participation by site visitors or registered customers is on a voluntary basis. The policies are offered by various life Insurance & non-life insurance offering companies and thepolicymart.com does not seek to, either directly or indirectly, advise, offer, solicit or recommend that any person who is or proposes to become its member should purchase the Policy.
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