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Health Insurance

Health insurance is agreement between two entities- insurer and insured. The insurer is the insurance company approved by Insurance Regulatory and Development Authority and insured is people who buy policy.

Health insurance provides health cover or medical expenses to insured in case of hospitalization for more than 24 hours. The hospitalization coverage typically includes surgical operations, nursing care, doctor’s fees, pathology, diagnostic tests hospital accommodation, pre and post hospitalization expenses. Health insurance also pays for regular checkups and consulting doctors. The insured in return pays specified amount called premium every year or two.

Health insurance not only covers individual but also complete family. Individual health insurance will provide Sum Assured to single person. Family health insurance also called floater policy will provide single Sum Assured to cover all members.
The term health insurance (popularly known as Medical Insurance or Mediclaim) is a type of insurance that covers your medical expenses.The concept of health insurance is new in India but its awareness is growing fast. Health insurance comes in handy in case of severe emergencies. Life is unpredictable, insurance can make it safe and secure from bearing huge financial loss. A health insurance policy is a contract between an insurance company and an individual. Sometimes it is associated with covering disability and custodial needs. The contract is renewable annually.

Health insurance is affordable and carries the assurance and freedom from insecurities that threaten normalcy now and then. The type and amount of health care costs that will be covered by the health plan are specified in advance. Health plans are available in two formats, individual and group plans. In an individual policy you are personally the owner of the policy. While in a group plan, the sponsor owns the policy and the people covered under it are called its members.

Health insurance can be purchased to cover individual from the age of 91 days till age of 60 years. For children aged between 91 days to 5 years, an adult has to be covered under same policy. The usual maximum age is 60 years to purchase health insurance but varies from company to company since many companies have introduced new health insurance plans for senior citizens. Health insurance can be renewed till late stages with most insurers.

Health Insurance is one step solution to make sure that you and your loved ones are never deprived of the best healthcare.

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