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The Importance of Top-up Health Covers

7

Jul, 2014

The Importance of Top-up Health Covers

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“As a spare tire is to a car, a top-up cover is to a health insurance policy.” One morning, I got a call from one of my clients, working at a call center. He sounded very desperate, and wanted me to clarify his doubts on health insurance. Very desperately, he said, “See, my wife has a health insurance policy with sum insured of Rs.3 lakh, and she has been hospitalized due to a major accident. Medical expenses for treatment are going to come up to Rs.8 lakh but her health […]

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How to Choose a Health Insurance Policy

30

Jun, 2014

How to Choose a Health Insurance Policy

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It is rightly said: Let our advance worrying become advance thinking and planning. With health care costs hitting double digit inflation year on year, planning for your health care needs is essential. It is about bringing the future into the present and taking actions now. This is why you need to look for the best health insurance policy in India. Several important things to consider while you decide on your health insurance cover – Need: It is extremely important to make sure that you select the best health plan as […]

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How Much Health Insurance Do You Need?

26

Jul, 2013

How Much Health Insurance Do You Need?

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You may be aware that having health insurance is essential, but have you ever wondered just how much insurance would be enough for you and your family? It may have been a mind-boggling decision until now, but it no longer has to be. A few tips may help you decide just what the right health insurance amount for you is. Take into account your Age One of the most important factors that affect your health insurance, your age is the first thing that must be taken into consideration. An early […]

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Don’t Let Critical Illness Affect Your Finances

7

Jun, 2013

Don’t Let Critical Illness Affect Your Finances

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According to studies, cancer ranks as the second most deadly chronic ailment, expecting to cause 12,181,000 deaths worldwide by the year 2030 (source: Global Burden of Disease-WHO). However, with appropriate awareness and timely treatment, a lot of these deaths can be prevented. One of the main reasons why cancer may fail to get treated is the exorbitant cost of treatment. In this case, a basic health insurance plan can help relieve this burden only partially by covering hospitalization costs along with pre and post medical expenses. Such a plan may […]

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Types of Health Insurance Covers

17

May, 2013

Types of Health Insurance Covers

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A health insurance cover is the primary Medicare need for people. With the rapidly inflating costs for treatment, a health insurance policy acts as a lifeline when you fall ill. Health insurance policies come in several forms, and each fulfills a different function of financial aid. A composite health cover will consist of one or more of these policies, so that you are protected thoroughly against financial risk caused by an illness or accident. It is important to know about types of health covers, so that you can choose the […]

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Components of a Health Insurance Policy

17

May, 2013

Components of a Health Insurance Policy

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It’s not enough to just get a health insurance policy. It is also important to know what the different terms in the policy mean and what they do for you. Let’s start with some of the basic terms that you must know about: Sum Insured – Simply put, this is the amount of cover that one can opt for. This is the maximum amount up to which the insured can get benefits in the event of a claim during a single policy year. How this works: Let us suppose that […]

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