A health insurance plan basically acts as a shield protecting one from expensive healthcare services. Planning to Apply For health insurance in Kolkata but don’t know what different options of health plans are available in the country and how can one buy? Don’t worry. We understand your problem. Here we have listed different types and the application process of health insurance.
What are the different categories of health insurance?
Following given are the main categories of health insurance plans that one can go with:● Individual Health Insurance Plan: This plan is categorized as one that covers the healthcare expenses of an individual such as their life partner, any of their parents, and children. Expenses covered are bills of the hospital, rennet of the hospital room, surgical cost, accident, and so on. Individuals falling between the age ranges of 18 to 7 years can think of buying such a plan. ● Family Health Insurance Plan: If you require a more affordable option for health coverage for all the individuals you have in your family, then consider opting for this specific plan.
Under it, every individual present in a family will be insured by just a single sum. Only a single premium is to be paid, and that is at a lower rate. When the age of the eldest individual is less than 60 years, then it acts as the best plan. ● Senior Citizen Health Insurance Plan: Usually, it is difficult for an individual having age more than 60 years to get health insurance. To eliminate such difficulty, this particular plan is designed. The maximum age for entry has been determined as 70 years with the facility of lifetime renewability. Along with offering the coverage of basic healthcare expenses, this plan also pays back the bills of domiciliary hospitalization and the bills of a psychiatrist.● Maternity Health Insurance Plan: This specific plan is for pregnant women. Now you can get the expenses to be paid in the prenatal, delivery, and post-natal stages reimbursed with the help of such a plan. You might be thinking, who one should buy this particular plan? The answer to the question is any couple who is planning to start a family should consider buying such a plan beforehand. The minimum waiting period specified is 2 years. There is no need to pay the expenses taking place on the delivery of a child and infertility and the expenses occurring on the new baby for the first 90 days. ● Group Health Insurance Plan: This particular plan is specifically designed for the group of employees that work together in a company. Nowadays, almost every company, whether an established one or a start-up, provides the facility of health insurance to their employees, which further helps in retaining them for a long. Lower premium makes this plan a great option for companies. Along with basic health expenses, maternity expenses are also reimbursed.
What process can you follow to get an appropriate health insurance plan?
By following the below-mentioned steps, one can easily get an appropriate insurance plan:1. Understand your requirements: The first and foremost step is to understand the personal requirements for why you need to get yourself covered under a health plan. For this, you are required to ascertain your medical condition. For this, you can get a full body check up. 2. Compare different health plans: Now that you know your requirements, it is time to compare the number of the available options of the health plan based on different factors such as sum insured, benefits provided, and rate of premium charged. 3. Research the insurance company: There are many companies having low claim settlement ratios in the marketplace that will try to attract you by offering lucrative insurance benefits. Before opting for any one of them, consider researching for the financial position and services provided by it in the past. Also, get to know about the number of years the specific insurer has been working in the insurance business. 4. Cross-check the collaborated hospitals: Almost every insurer has collaborations with the hospitals established at different locations in the country. You should cross-check the list of hospitals the companies are collaborating with and select the insurer having tie-ups with premium hospitals. 5. Look for the ‘restoration’ option: Always select the health plan providing the option of ‘restoration’. For instance, how will be bear the health expenses having the probability of incurring in the future in case the sum covered under the specific plan has been consumed by you in the starting years? It is when the ‘restoration’ feature comes in handy. The sum consumed in the very first year after taking the plan will be automatically restored.
Now that you know about different health insurance plans and how you can buy the same, contact Care Insurance to get the best plans providing maximum benefits.