Stay Healthy, Stay
Covered: Get the Best
Health Insurance Today!

Health Insurance is a product by Insurance Companies to cover the medical and surgical expenses incurred by the insurer. Health is the most unpredictable aspect of one’s life. Anybody can encounter a serious health issue at any stage of life. Health problems need not crop up only in old age. If not any health issue, it could be hospitalisation due to an accident. Meeting medical expenses which appear out-of-the-blue is not in the reach of everyone. At least not at present times, when the cost of medical treatment is soaring high day by day. The product that covers the expenses that arise out of such emergencies is Health Insurance. Periodical payment of premium as stipulated by the Insurance Company has to be made. The payment of the premium could be either monthly, quarterly, half-yearly or yearly.

With a Health Insurance Policy, you will be able to get medical treatment in the best of hospitals without being worried about the cost of the treatment. Any medical emergencies can be handled with great ease even at times when you are in a disastrous financial situation. Imagine you come across a situation when you are diagnosed with a health issue which can be treated in specialised hospitals whose cost of medical treatment seems unaffordable. This is at such times that Health Insurance comes handy. The cashless facility of the Health Insurance policy is the best feature. All the expenses incurred in the course of your medical treatment will be directly remitted to the hospital and you will not have to worry about paying the hospital first and then claiming reimbursement from the Insurance Company. The main features of a Health Insurance policy are: Cover for expenses incurred prior to hospitalisation and post hospitalisation The expenses incurred 30 to 60 days prior to hospitalisation and post hospitalisation will be reimbursed upon submission of relevant bills and receipts.

The following medical insurances are best for the family:
Star Family Health Optima
Max Bupa Health Companion
HDFC Health Suraksha
Apollo Munich Optima Restore Family Plan
SBI Life Smart Health Insurance
Oriental Insurance Happy family floater Policy
Bajaj Allianz Family Floater Family Health Guard

With the soaring prices for medical treatments, it is very vital to have Health Insurance plans to provide for medical expenses that crop up out of the blue.
The reason to have Health Insurance is:
The insurance will take care of all the medical expenses
It will keep you prepared for any medical emergencies
The premium payable for these Health Insurance policies is very nominal while they give you financial security in respect of any medical emergencies.
The process of claim is simple and hassle-free
The chances of your claim being rejected are very bleak unless there is a very valid reason

You should ascertain before availing the policy if there are any geographical limitations stated in the policy. Some of the policies offer cover for treatment abroad. So, you should be looking for a policy which is PAN India and also which provides for cover for treatment abroad if required.

To avail cashless treatment, you should take treatment in the hospital that is in the network list of the policy for cashless treatment. If so, then a pre-authorisation 48 hours before admission to the hospital for a certain treatment has to be obtained from the insurance company or if it is an emergency then, at least 24 hours after admission the pre-authorization has to be obtained. Thereafter, the expenses will be directly dealt with by the Insurance Company.