Health Insurance: The Much Needed Insurance Plan in India

From the decades we are familiar with the phrase that ‘health is wealth’. Considering that truth, you should be aware of the fact that being healthy is one of the greatest gifts that you will ever get in your life. If your health is in good condition, you can live your life happily compared to those who live their life with various health issues. But, in spite of taking a lot of care, we cannot avoid health risk. And today’s modern lifestyle of an individual makes them more prone to illness. The escalating expenses of medical treatments of hospital or any private nursing home have led to the demand of health insurance policy. However, the best health insurance plan can help you in such case as it aids financial security in the case of any medical emergency.

Various types of Health Insurance Policies

Everyone needs to secure their own health as well as family’s health with a right health insurance policy online. In present scenario in health insurance India, people have a lot of options for choosing the best health insurance plan as there are several types of insurance policies for health. Some of the popular policies are following.

• Family Floater Health Insurance Policy

This plan is basically designed for multiple members of a family against multiple diseases. Instead of taking the separate policies, the parents, along with minor children can be covered under one plan. Some of the company covers up to 15 people of one family. Depending on the insurer, each insured person will receive an equal amount of coverage, or all persons of the family may receive a combined sum.

• Individual Health Insurance Policy

As the name suggests, this plan provides coverage for one person. This policy offers advantages like cashless hospitalization and many other add-on covers. The entire Sum Insured is available for one person and the premium is decided according to the age of policyholder.

• Senior Citizen Health Insurance Policy

This plan offers lower premium or discounts on premium. 60 years and above-aged people can eligible for this plan. To own this insurance plan, a medical pre-medical check-up is required, although, it depends on the insurance providers. The aim of this plan is to cater to the medical needs of the aged.

• Critical Illness Health Insurance Plan

A critical illness means permanent disability or even death. If anybody has a family history of a specific disease or he/she is more prone to getting a specific illness, then this plan will be a suitable one. This Critical Illnesses health insurance policy covers for cancer, organ transplant, blindness, multiple sclerosis, heart valve surgery, coma, heart attack, paralysis, kidney failure, and many more.

Conclusion

It is always suggested that before choosing the best health insurance online policy in India, you should compare health insurance quotes with other insurance companies. Health insurance renewal is equally important as purchasing the policy. Most of the leading health insurers offer online hassle-free renewal options. GIBL.IN, an IRDA accredited insurance aggregator provides you the option of selecting the best health insurance policy and renewing the policy among many insurers.