Health Insurance

What is health insurance?

The terms health insurance is a type of insurance that covers your medical expenses. A health insurance policy is a contract between an insurer and an individual/ group in which the insurer agrees to provide specified health insurance cover at a particular “Premium”.

Why is Health Insurance important?

Health Insurance protects us from the sudden, unexpected costs of hospitalization ( or other covered health events, like critical illnesses) which would otherwise make a major dent into household savings or even lead to indebtedness. Each of us is exposed to various health hazards and a medical emergency can strike anyone of us without any Prior Warning . Healthcare is increasingly expensive, with technological advances, new procedure and more effective medicines that have also driven up the costs of healthcare. While these high treatment expenses may beyond the reach of many, taking the security of health insurance is much more affordable.
So all of us should buy Health Insurance and for all members of our family, according to our needs.

What a Health Insurance policy would normally cover

A Health Insurance Policy would normally cover expense reasonably and necessarily incurred under the following heads in respect of each insured person subject to overall ceiling of sum insured (for all claims during one policy period).
  • Room Boarding expenses
  • Nursing expenses
  • Fees of surgeon, anesthetist, physician, consultants, specialists
  • Anesthesia, blood, oxygen, operation theatre charge, surgical appliances, medicines, drugs, chemotherapy, Radio therapy, diagnostic materials, X- ray, Dialysis, costs or organs and similar expenses.

Know more about…

  • Sum Insured
  • Cumulative Bonus
  • Cost of Health Check- up
  • Minimum period of stay in Hospital
  • Pre and post hospitalization expenses
  • Cashless Facility
  • Additional Benefits and other stand alone policies

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