హెల్త్ ఇన్సూరెన్స్

Medical emergencies demand immediate action and access to finances. With increasing medical inflation every year, having health insurance has become more important.

హెల్త్ ఇన్స్యూరెన్స్ ఏమిటి?

Health insurance is a type of insurance that allows the insured to claim compensation for his or her medical expenses. Some individuals also choose to opt for Mediclaim policy, which provides compensation up to a fixed sum only. However, if you’re looking for coverage of doctor’s fees, medication, diagnostic tests and hospitalization expenses, health insurance can be a better option for you.

Why is health insurance important?

Health insurance gives you financial security, especially when healthcare inflation is on the rise. With rapidly changing lifestyle habits, increasing pollution, the evolution of new diseases and healthcare facilities becoming unbelievably expensive day-by-day, it is important to have oneself covered under the health insurance policy. It safeguards you from burning a huge hole into your pocket in times of sudden emergencies.
Health insurance policies are customised as per an individual’s needs-- providing coverage for all kinds of health issues. It enables you to avail timely and quality health solutions without worrying about its expenses. Having a health insurance plan also help you keep your savings intact and grow for future goals.
Also, many corporate insurance policies don’t provide coverage for all sorts of requirements—they have limitations to it. Hence, having a separate individual health insurance cover or a family floater insurance cover secures your medical needs.

హెల్త్ ఇన్సూరెన్స్ ప్రయోజనాలు

Here’s a look at some of the benefits of choosing a health insurance plan.

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  1. Cashless transactions

  Cashless health insurance helps one to avail treatment facilities at network hospitals without worrying about immediate cash availability.

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  2. Covers pre-and post-hospitalisation expenses

  A health insurance plan covers the cost incurred for required treatment before hospitalisation and after hospitalisation, depending on the policy taken.

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  3. Transportation expenses

  Most health insurance policies also cover the transportation costs for commuting the insured person to the hospital, if required.

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  4. Medical check-ups

  These policies also cover routine or periodic health examinations, with some insurance providers offering free medical check-ups to the policyholders.

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  5. Tax saving benefit

  Policyholders can reap tax benefits by paying premiums towards health insurance plans, under the Income Tax Act.

• Types of Health Insurance Policies

  
  Following are the different categories of health insurance:
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  వ్యక్తిగత హెల్త్ ఇన్సూరెన్స్ పాలసీ

  Only the individual/insured person under the individual health insurance plan is entitled to the benefits and can claim the sum assured under the policy.

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  ఫ్యామిలీ ఫ్లోటర్ హెల్త్ ఇన్సూరెన్స్ పాలసీ

  ఫ్యామిలీ ఫ్లోటర్ హెల్త్ ఇన్సూరెన్స్ పాలసీలో, ఎంచుకోబడిన హామీ ఇవ్వబడిన మొత్తం ఒకే కవర్ క్రింద కవర్ చేయబడిన కుటుంబ సభ్యులు అందరికీ వర్తిస్తుంది అనగా సభ్యులు అందరికీ ఒక కవర్. ఇది పూర్తిగా ఒక సభ్యునిచే లేదా అనేక క్లెయిముల ద్వారా అనేకమందిచే ఉపయోగించుకోబడవచ్చు.

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  3. సామూహిక / ఉద్యోగుల ఆరోగ్య బీమా పాలసీ

  Group/employee health insurance policies cover the expenses of the employees against unforeseen medical emergencies. The premium of group medical insurance plans is generally lower than average and offers wide coverage for medical expenses.

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  4. వయో వృద్ధుల ఆరోగ్య బీమా పాలసీ

  Individuals who are 60 years and above can avail a senior citizen health insurance plan designed exclusively for them to cover the medical care expenses. Such policies generally need you to undergo a medical check-up before you can avail of the plan. The premium for this plan is generally lower than usual.

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  5. సంక్లిష్ట అనారోగ్యం ఆరోగ్య బీమా ప్లాన్లు

  This provides coverage against life-threatening or serious diseases. It is taken as a standalone insurance policy or as a rider for treatments of critical illnesses like - cancer, kidney failure, heart attack, etc. These policies offer a huge amount as compensation to the policyholder for expenses that fall in the ambit of this plan

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  6. టాప్-అప్ హెల్త్ ఇన్స్యూరెన్స్ పాలసీ

  A top-up health insurance plan lets you scale up your insurance coverage at an affordable cost. This plan covers expenditure that arises out of a single illness when the existing policy threshold is not enough.

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  7. వ్యక్తిగత బీమా పూచీలు

  Personal accident insurance protects you and your family from expenses incurred as the result of an accident that may lead to death, disability, injury, and other unforeseen situations. Personal accident covers can be purchased independently or as a rider to an already existing policy.

Bajaj Finserv is a trusted brand that has your best interest at heart. Maintaining high credibility and transparency at all levels, we offer unbiased guidance to ensure that you choose the right insurance plan for your family. Bajaj Finserv works with reliable insurance partners to offer plans that best suit your requirements. From safeguarding health to keeping your phone data safe, we cover you against wide-ranging risks.

Eligibility criteria for every health insurance policy may differ as per the insurer’s terms and conditions. Here are some common eligibility criteria mentioned in insurance policies:

• కనీసం 18 నుండి 65 సంవత్సరాల వయస్సు కలిగి ఉన్న వ్యక్తులు లేదా ఇన్సూరెన్స్ ప్లాన్‌లో గల షరతుల ప్రకారం హెల్త్ ఇన్సూరెన్స్ పాలసీని పొందవచ్చు
• వయస్సులు 90 రోజులనుండి 25 సంవత్సరాల మధ్య ఉన్న ఆధారపడి ఉన్న పిల్లలు ఈ పాలసీ కింద కవర్ చేయబడవచ్చు
• 60 ఏళ్ల వయస్సు పైబడిన వారికి అనుకూలంగా రూపొందించిన పాలసీలలో వయో వృద్ధులు కవర్ చేయబడతారు
• సాధారణంగా, హెల్త్ ఇన్సూరెన్స్ పాలసీలకు స్పష్టంగా నింపబడి సంతకం చేయబడిన అప్లికేషన్ ఫారం తప్ప, ఏ డాక్యుమెంట్లు అవసరం లేదు. అయితే, మీరు ఒక నిర్దిష్ట వయస్సుకు పైబడి ఉంటే మీరు ఒక వైద్య పరీక్షను చేయించుకోవలసి రావచ్చు.

మీరు హెల్త్ ఇన్సూరెన్స్ ప్లాన్లు కొనడానికి ముందు పరిగణించవలసిన అంశాలు

Here are a few tips to help you choose the right insurance plan for you and your family.

• Know which type of insurance policy like individual or family or senior citizen, do you wish to purchase when considering availing health insurance plan.
• మీకుమీ కుటుంబం కోసం ఏది అనువైన ఇన్సూరెన్స్ కవర్ అవుతుంది?
• Know about the add-on features you would want to opt-in for.
• Know the applicable sub-limits (capping amount of expenses category like room rent, doctors’ fees, medical test cost etc.)
• Read all policy inclusions and exclusions.
• Know the claim or claim settlement procedure (cashless, reimbursement).
• Know about medical check-ups required before policy acceptance.