Health Insurance: Compare & Buy Medical Insurance Plans

Health Insurance: Compare & Buy Medical Insurance Plans

Individual Health Insurance: This kind of insurance policy provides coverage to your hospitalization expenses, medical expenses related to injury and illnesses, surgery costs, room rent, daycare procedures and more. You may buy this policy for you, your spouse, your children and parents. However, every individual covered under this plan will have an individual sum insured.

Family Floater Health Insurance: Family floater health policy is an affordable way of covering all the members of the policy under the single sum insured amount. A family floater health insurance plan is a good choice as the premium is comparatively lower than the individual one. This policy can cover yourself, your spouse, children and parents.

Senior Citizen Health Insurance: This kind of policy is specifically designed for senior citizens who fall in the age bracket of 60 years or above. A senior citizen policy offers coverage for cost of medicines, hospitalization, any health expenses arising out of accident or illness, pre and post hospitalization and treatments and other benefits such as domiciliary hospitalization and AYUSH treatment costs are also covered. As senior citizens are more prone to illnesses, these plans are more expensive than other health insurance policies.

Maternity Health Insurance: Maternity health insurance takes care of your maternity related expenses, infertility expenses and coverage for the newborn up to the first 90 days. The maternity cover has a minimum waiting period of two years and is generally bought along as a rider with basic insurance plan.

Critical Illness Health Insurance: Critical illness insurance covers all kinds of lifestyle diseases such as cancer, heart stroke, kidney failure, paralysis, heart attack, asthma etc. It is advisable to buy this policy if you have had a family history of any kind of such diseases. This policy not only offers the lump sum amount, but also reimburses you the cost of care and hospitalization expenses.

Top-Up Health Insurance: A top-up health insurance plan provides you with extended coverage which is over and above your basic insurance plan.

Group Health Insurance: A Group Health Insurance policy is a low-cost premium plan which is crafted for a group of employees. In other words, it is a kind of benefit offered to the employees by an employer, to boost the rate of employee retention. It generally covers you for hospitalization, medical expenses arising due to accident, illness, critical illness, psychiatric illness, and maternity