There are many factors to consider when choosing a health insurance policy, and it can be overwhelming to try to navigate all of the options on your own. That’s where we can help. Our team is here to assist you in understanding your healthcare needs and finding a policy that meets those needs at a price that fits your budget. We can provide you with information on different types of plans, explain the benefits and limitations of each, and help you compare quotes from multiple insurance providers. Whether you’re looking for coverage for yourself, your family, or your small business, we can work with you to find the right policy.
Health Insurance
Health insurance is a type of insurance that covers medical expenses (on hospitalisation) incurred owing to illness, accidents or injury.
In-Patient Hospitalisation Expenses: These include expenses incurred during hospitalisation for at least 24 hours. Under this benefit, the health insurance plans mostly cover major hospitalisation costs – room rent, nursing, boarding expenses, ICU/ICCU expenses, doctor’s fee, cost of medicines, etc.
Now-a-days, Health insurance are also available to cover COVID illness, OPD expenses, Global coverage, Critical illness covers, etc.
A Group Health Insurance, also referred to as Corporate Health Insurance or Employee Health Insurance, is a type of health insurance plan that covers for a group of people who work under the same organization (the premium for the same is borne by the employer). In group health insurance, the coverage can be extended to the family members of the employees as well. Covid-19 is covered under the same
Group Health Insurance is beneficial for both the employer and employee. The employer can claim the premium as expenses thereby availing in tax reductions. Price for the group health Insurance is comparatively a lot lesser as compared to individual health insurance plans thereby benefiting both employer and employees.
Group accident insurance is a type of insurance that is offered to employees (by the employer) to protect them against the medical expenses incurred due to injury or death resulting from an accident at the workplace. It is available for both, the employees and board or owner of a company.
The terms include conditions of disablement or death. This insurance provides comprehensive financial protection against hefty expenses incurred due to the disablement of the insured in accordance with the terms mentioned in the policy.
Critical Illness Insurance is a type of health insurance policy that provides a lump sum benefit to the policyholder if they are diagnosed with a specific critical illness or medical condition. These conditions typically include serious and potentially life-threatening illnesses such as cancer, heart attack, and stroke. The benefit can be used to pay for medical expenses not covered by traditional health insurance, such as experimental treatments or out-of-pocket costs for hospital stays. It can also be used to cover non-medical expenses, such as lost income or the cost of hiring in-home care. Critical illness insurance can provide financial security and peace of mind for individuals and families facing a serious health crisis. It is often purchased as a supplement to traditional health insurance and can be a valuable addition to a comprehensive insurance plan.
