• Benefits Of Comprehensive Individual And Family Mediclaim Policies

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    September 21, 2017 /  Family and Relationship, Uncategorized

    With the increasing number of health problems prevalent among people and expensive medical charges, it has almost become mandatory that every individual young or old should be covered with comprehensive health insurance coverage. The only solution to be prepared is to get all-encompassing health insurance coverage.

    Basically, a health insurance policy, individual or family health insurance:

    Offers medical coverage during unexpected medical emergencies

    Provides medical coverage during sudden illness and accidents

    Covers pre and post hospitalization charges

    Mediclaim

    As there are heaps of health insurance companies in India, each offering different insurance plans, choosing the right one can be a painstaking ordeal
    There are two main types of health insurance plans for individuals and families:

    Heartbeat

    The Heartbeat plan is sub divided into three plans namely: Individual, Family First and Family Floater.
    The Individual health insurance policy is more appropriate for people who avail the insurance only for a selective person in the family while the Family First and Family Floater plans are ideal for families that are looking for medical coverage for everyone in the family. The best part is that, the family health insurance policies are available at cheap discounts when compared to the individual plans.

    The main benefits of the Heartbeat insurance plan are:

    2 year Policy Tenure Option

    Domiciliary Treatment

    Pre & Post hospitalization coverage for medical expenses

    Organ transplant

    Free Look Period

    Hospital Accommodation

    Tax Benefit
    In addition to these, there are lots of other benefits that come along with the insurance plans but are subjected to the terms and conditions of the policy. Individuals can choose from any of the tailor-made insurance plans according to their needs and requirements.
    The Health@Companion plan is sub divided into Individual and Family Floater plans.

    The main benefits of Health@Companion include:

    2 year Policy Tenure Option

    Direct Claim Settlement

    Coverage for all day care procedures

    Guaranteed Plan Renewal for Life

    Hospital Accommodation

    Ambulance

    Free Look Period

    Pre & Post hospitalization charges

    Cashless facility

    Tax benefits

    Apart from these, there are so many other benefits as well, the details of which you can get from the appropriate insurance carrier.

    Factors to consider before buying a suitable policy include existing illness, how to compare various health insurance policies, whom to purchase the insurance from, steps required to renew the policy, waiting period, and exclusions. You should make sure that you read the fine prints thoroughly before purchasing your mediclaim policy. This will help avoid financial shocks later on.

    Posted by articleleader @ 3:56 pm

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