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Health Insurance

Having a health insurance means having a peace of mind that you and your health is insured, In case of any medical emergency you can access best medical facility and can feel financially protected if you are insured under a health insurance . A health insurance policy guarantees peace of mind and ensures that you and your family will receive the best treatment at a hospital of your choice. Different companies offer different types of health insurance plans to meet the specific requirements of an individual, A family, business or a senior citizen.

Why is it important to have a health insurance?

No one plans to get sick or hurt, But in life at some point of time you might need medical assistance and it is possible that you are not financially ready to pay for the medical care at that time so it is very important to have a health insurance to save you from such situation. Another reason is that uninsured people receive less medical care and less timely care, they have worse health outcomes, and lack of insurance is a fiscal burden for them and their families. Moreover, the benefits of expanding coverage outweigh the costs for added services.

Which Healthcare policy is best for me?

You can explore various different health care plans offered by different companies on our website and chose the one that suits best to your needs and pocket.

Income tax exemption and Health Insurance

Premium paid under the Health insurance Policy is exempted from Income Tax under section 80D of the Income Tax Act up to Rs.15,000 for individual covering his family and dependent Children. In case the proposer intends to cover his parents under medical insurance, he is eligible for a deduction of another Rs.15,000 under section 80D. In case the age of parent to be covered is above 65 years, the deduction available is Rs.20,000 under section 80D.

What do you mean by Cashless Hospitalization?

In the event of hospitalization, the patient or their family normally pays the bill to the hospital. But Under Cashless Hospitalization the patient does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by its Health Insurance Company.

What are the crucial factors to check with the health insurance policy?

Before buying a suitable health insurance plan It is very important to check
1. List of hospitals tied up with the insurance company. So that you have easy access to medical treatment in case of emergency
2. Exclusions (Facilities not available) in the policy should be read thoroughly to avoid chaos at the time of claim.