Why do you need health insurance?

If you feel that you do not require health insurance, then rethink about the idea. Life is highly capricious these days. The volatile lifestyle with highly uncertain risk factors makes life insurance policies mandatory. The risk management part is sure to lead a secured life. The basic principle of the health insurance lies in this area.

Health insurance is a written agreement between an individual with an insurance company. The policy covers a vast number of benefits like the medical treatments, medical tests etc. The health insurance company promises to cover all the medical benefits listed in the insurance policy which is termed as the covered services. In other words, when the health insurance company denies a claim, then the individual has to check whether the claim is mentioned in the covered services.

It is always recommended reading all the terms and conditions of the company thoroughly, before signing a health insurance policy. It can avoid unnecessary dispute between the individual and the company. It is always wise to plot out your expectations from the health insurance company clearly, before signing. The reimbursement amount or the reimbursement percentage by the insurance company should be clearly understood before signing the papers. It is immensely helpful to keep a congenial relationship with the health insurance agent. He should be contacted directly to explain any traces of doubts regarding the health insurance policies.

There are many advantages of getting a health insurance plans. It has to be understood that the cost of the health insurance policy is remarkably less as compared with the massive amount that has to be incurred in times of any major mishaps. The health insurance policy amount is also nontaxable. Many health insurance companies provide financial incentives in addition, to their services. Finally, the health insurance companies offer peace of mind and lifetime protection free of charge to all the policy holders.

Star health has more than hundred and forty branches in India. It is a joint venture between the Oman insurance company and a number of other insuring companies in India. As far as the insurance is concerned, it is a standalone company in India. The highlight of Star Health Insurance Company is the range of insurance plans that suit all the people depending on their age and social profile.

True Value for money

The star Health Insurance Company has launched a specific policy for the masses called the true Value policy. The sum assured varies widely from Rs. 30,000 to Rs. 80,000. The hospitalization expenses, nursing expenses, anesthetist expense, along with other expenses like the cost of blood, oxygen, treatment are borne by the star Health Insurance.

Medi classic Policy

This policy is for all. In this policy, all the pre and post hospital expenses, nursing charges, medicine cost, surgeon fee, fee for the anesthetist along with the surgeon and any specialist fee is paid to the policy holder.

Premier Medi policy

For the comfort of the policy holder, the policy is divided in to two types. In the first type, the policy covers any sudden illness and in the second type, the policy assures about 50% lump sum of the cost in case of the diagnosis of listed illness like renal failure, heart attack or cancer.

List of other useful policies

Policies like the family health optima, senior Citizen Red Carpet, Super Surplus, Star net plus, Star gain Insurance, Star criti care plus, policy for Diabetes benefit the policy holders. Star health Insurance is one of the leading insurance providers for Tamil Nadu employees and whole of Andhra Pradesh Employees.

Advantage of Star Health Insurance

Being one of the sheer prominent stand alone insurance companies, Star health Insurance provides 24X7 physician care to the policy holders. Star health Insurance company also has more than 4500 network of hospitals throughout India. The policy holders can benefit cashless service in any of the network hospitals. The main advantage is that the insurance company has TPA services. They have a direct tie up with all the network hospitals without any third-party involvement.

Reliance health insurance Company- Insurance for all

Key features

Though there are numerous health insurance companies in the market, there are very few insurance companies that are at par with the international standards. Reliance Health Insurance Company is one of such rare brands. It is one of such insurance companies that provide quality value for every penny spent on the policy. The company has proven records for not compromising on the quality of service. For the benefit of the policy holders, the reliance insurance company offers additional benefits like ambulance charges, nursing allowance, and donor expenses at exceptionally competitive premium depending on the plan. Undoubtedly, the premium rate for all the above said services are less when compared with the other medical insurance companies.

Highlights

The highlight of Reliance Health Insurance is the affordable premium by all strata of the people. For example, the premium for a sum of two lakh insured for a couple is as low as three thousand three hundred and fifty three rupees per annum. The family floater insurance policy of the company covers the entire family. The Reliance health insurance plan is available for all age groups up to the age of 65.

Reliance Health Insurance- most suited for all

The company understands the need for health insurance for every individual. Keeping this in mind, the Reliance health Insurance Company does not make any medical checkups for individuals that have clear medical history up to the age of 45. 24X7 cashless service is being done for all the people in need across India, in more than 4000 hospitals.

Why should you choose Reliance medical Insurance?

The company covers any preexisting illness even after two or four years of the continuous cover package. The company also covers both pre and post hospitalization expenses for the policy holder and his family called the extended coverage package. The company also offers 5% discounts on base premium for each claim free renewal.

Tax benefit

Tax benefits can be claimed under section 80 D of the income tax act.

Keeping all these features in mind, it’s surprising when one would not get a Reliance health insurance policy!