Know more About Health Insurance
What is Health Insurance?
Health insurance covers medical expenses, offering financial protection against the high costs of treatments, surgeries, and hospitalization. It helps individuals and families manage healthcare expenses effectively.
Key Benefits
Hospitalization
Coverage for both in-patient and out-patient treatments.
Pre– & Post-Hospitalization
Covers related medical expenses before and after hospitalization.
Cashless Treatment
Cashless services at network hospitals.
Preventive Care
Wellness programs and preventive health check-ups.
Why Do You Need Health Insurance?
Health insurance mitigates financial burdens from medical emergencies, ensuring access to quality healthcare without depleting savings. It’s crucial for families, individuals, and even young professionals planning for unforeseen health expenses.
What’s Included & Excluded?
Included
Hospitalization, pre- and post-hospitalization, ambulance cover, daycare procedures, cashless facility.
Excluded
Pre-existing diseases (initially), cosmetic treatments, self-inflicted injuries, and treatment outside network hospitals.
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Health Insurance sub-categories:
1.
Individual Health Insurance:
Provides coverage for a single individual, covering hospitalization, surgeries, and other medical expenses.
2.
Family Floater Health Insurance:
Covers the entire family under a single policy with a shared sum insured.
3.
Senior Citizen Health Insurance:
Tailored for older adults, covering age-related health issues with additional benefits.
4.
Group Health Insurance:
Typically offered by employers to their employees, providing health benefits under a single group policy.
5.
Maternity Health Insurance:
Covers maternity expenses, including pre- and post-natal care, and newborn coverage.
6.
Critical Illness Insurance:
Specifically covers major illnesses like cancer and heart disease, providing a lump sum upon diagnosis.
7.
Top-Up Health Insurance
An additional health policy that provides extra coverage beyond the base policy.
