Health Insurance Paper

1275 words - 6 pages

Health Insurance

|What is health insurance? |Health Insurance is required to ensure coverage for expenses incurred |
| |in possible medical treatment. Depending on the policy specifics this |
| |could cover- Consultation fees, Operating Charges, Medicine costs, |
| |Diagnostic Tests charges, Hospitalization charges etc |
|Why health insurance? |If you thought an apple a ...view middle of the document...

Critical illness plan, |
| |5. Daily hospital cash and |
| |6. Unit-linked health plan (ULHP). |
|What To Look For |Before buying any health insurance plan, check the following |
| |What is covered? See the ‘inclusions’ section in the policy document |
| |closely for this |
| |What is excluded from the cover in the first year, till the second |
| |year and for the entire term? |
| |Till what age is renewal allowed? |
| |From when is the claim on pre-existing diseases allowed? |
| |Are sub-limits of different services sufficient? |
| |Which hospitals are empanelled? Which of these are near your |
| |residence? |
| |What additional/optional benefits are provided? |
| |What are their costs? |
| |What is the procedure for a claim? |
| |Compare features and prices of at least three insurers before choosing|
| |one. Favour the cashless route |
|How They Work |Individual health, family floater and senior citizens’ plans |
| |In case of a claim, expenses incurred are reimbursed. The remaining |
| |amount can be claimed during the year. In case of no claim, 5% or 10% |
| ...

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