Comprehensive Health Insurance
Unlike any basic health insurance that offers limited benefits. A comprehensive health insurance is designed to provide a wider coverage for health related treatments.
- Key benefits:-
- Cashless treatment: You can get admitted to any listed hospital as per the list of the insurance provider without having to make any payments for the treatment.
- Ambulance Cover: The cost of ambulance service shall be covered.
- Pre and Post Hospitalization: Coverage for pre and post hospitalization expenses for about 30 to 60 days.
- Check-ups: The cost of regular health check-ups can now be covered.
- Day Care Procedures: Treatments like dialysis, chemotherapy, angiography etc., shall be covered under this policy.
- Critical Illnesses: Some common critical illnesses like heart attack, paralysis, chronic lung disease etc., can be covered under this policy.
Why our customers love us?
And, we think you will too.What is a health insurance policy?
A health insurance policy covers medical expenses for illnesses or injuries. A reliable health insurance plan protects you from sudden medical expenses. It reimburses your bills or pays the medical care provider directly on your behalf. A comprehensive medical insurance covers the cost of hospitalisation, daycare procedures, medical care at home (domiciliary hospitalisation), ambulance charges, amongst others. A health insurance plan helps you stay covered against various diseases. Additionally, it helps you boost tax savings. Under section 80D of the Income Tax Act, 1961, you can claim tax benefits against your health insurance premium.What are the benefits of a health insurance policy?
- Covers pre and post hospitalisation One of the key benefits of a health insurance policy is that it covers your medical expenses incurred just before and after hospitalisation.
- Covers pre-existing diseases A health plan covers you for a pre-existing disease once you have completed the waiting period mentioned in the policy certificate.
- Provides cashless treatment At the time of hospitalisation, you don’t have to worry about arranging cash to pay your hospital bill. Your health insurance company will settle it directly with the hospital if it is in their network.
- Lets you claim tax benefit You can claim a tax benefit on health insurance premium under section 80D of the Income Tax Act, 1961.
- Covers ambulance expenses Comprehensive health insurance also pays for your ambulance expenses during a medical emergency.
- Provides additional sum insured Keeping healthy has its own benefits. You can enjoy additional sum insured for every claim-free year as per the policy certificate of your health plan.
WHAT IS THE NEED FOR HEALTH INSURANCE?
An effective medical insurance policy is essential because the prices of medicines and hospital treatments are rising day by day. If an accident or critical illness befalls you, it will cause a huge financial burden on you and your family. A hard-hitting truth is that whether your trip to hospital is planned or it comes as an unpleasant surprise, it is sure to cost you heavily. So, it’s better to have a protection of health insurance plans, that besides helping you manage your finances, also offer you a several other benefits at very affordable premium rates. You can also check out various health insurance quotes online to figure out which one is most suited to your budget.
Here are 5 reasons that will make you understand the importance of having the best health insurance plan:
Financial Help : Your health insurance policy will ease your burden of paying heavy medical bills from out of your pocket. You can save your hard-earned money for living your life to the fullest, instead of spending a huge part of it on medical care. If you are worried about the premium rates, then please be assured that you can get an adequate health insurance policy at very affordable premium costs. You also get discounts like family discount, which will allow you to keep the medical insurance plan’s coverage intact while paying a relatively low health insurance premium.
Quality Medical Care : You can avail the benefit of cashless claims and quality medical care if you decide to get your treatment at a network hospital. A network hospital is a hospital that has an agreement with your health insurance company, which enables you to get the best treatment without having to shell out from your pocket.
Tax saving : In India, the payments you make towards your health insurance policies are eligible for tax deductions under section 80D of the Income Tax Act. You can avail the maximum deductions of INR 1 lakh if you buy health insurance plans for yourself and your loved ones, and if you and your parents are senior citizens.
Extensive Coverage : Health insurance plans in India not only cover you for hospitalization expenses, but also provide cover against critical illnesses, accident-related, maternity, consultations, check-ups and other such medical expenses with different types of health insurance plans.
Peace of mind : If you are secured on the financial front, then even a trip to a hospital feels a little less stressed. Having a medical insurance gives you the peace of mind that can help you relax in a tense situation.
With so many health insurance plans in India offered by health insurance companies in India to choose from, you can certainly choose the best health insurance plan from among them.
Health Insurance (COVID-19 Covered)*
Let’s get you started on your Health insurance journey!We have all heard that health is wealth. However, taking care of health could indeed be a costly affair these days. Even a single day spent in the hospital can entail hefty charges, including the post-treatment appointments, medicines, etc.
At Tata AIG, we understand the need for health insurance. And so, we have designed our health insurance plans to cover a range of situations without burning a hole in your pocket. Health insurance reimburses the policyholder for expenses incurred in the treatment of various illnesses and injuries. It covers most of your medical, surgical, and dental expenses (in some cases). Claim settlement is mostly cashless but in some cases, reimbursement is done where we do not have tie up with the hospital You can avail of these health insurance benefits by paying an annual premium. Without health insurance, all these expenses would need to be paid out of your pocket, which can result in a serious financial drain on your resources. If you have a good health insurance policy, you can be prepared to face even the worst of health emergencies.
Tata AIG provides you with extensive yet simplified health insurance policies based on your requirements.
Take a look at what we offer-- Coverage for covid treatment*
- Cashless hospitalization at 6200+ hospitals
- No room rent restrictions on MediCare Premier/MediCare
- Restore Benefits
- In-patient Treatment
- Consumable Benefits
- Cumulative Bonus
- Tax Benefits under section 80D
- 96.43% Claim Settlement Ratio FY 19-20
When It comes to your health, choose a brand trusted by #1.5 Crore+ Happy Customers
Key Benefits
- Cashless Claims Cashless claim service at 10,000+ network hospitals
- No Sub-Limits No Sub-limits on hospital room rents, hospital expenses, specific diseases and doctor fees.
- Cashless Home Healthcare Guess what? If your doctor recommends in-home treatment, you can avail medical attention at home without paying a penny! Thanks to our cashless care facility for home treatments for listed conditions in select cities.
- Save tax up to ₹75000** Income Tax benefits under sec 80(D).
- Day Care Procedures Medical expenses for 586 day-care procedures which do not require a 24 hours hospitalization of the patient due to technological advancements.
- Covers Pre and Post Hospitalisation Expenses Covers pre-hospitalisation expenses upto 60 days; post-hospitalisation upto 180 days
- Free Preventive Health Check-up On every renewal you can avail free medical health checkup, we go a step ahead and care for your overall well-being.
New India Mediclaim Policy
New India Mediclaim policy is available to persons between the age of 18 years and 65 years. Children are also covered under the policy from age of 3 months to 25 years provided they are financially dependent. Lifelong renewal is available provided the policy is renewed on time. The Proposer can choose Sum Insured from Rs. 1,2, 3, 5, 8, 10, 12 and 15 Lakhs (4,6,7 Lakh Sum Insured bands are only available for renewals). Insured persons will be covered under a single dedicated Sum Insured.
Highlights of this Policy
- Cumulative Bonus @25% SI for claim free year with Max 50% of SI.
- Health Check Up for every 3 claim free years
- New Born Baby cover
- Cataract, up to 20% of Sum Insured or Rs. 50,000, whichever is less, for each eye.
- Ayurvedic / Homeopathic / Unani treatments are covered, up to 25% of the Sum Insured
- Medical Expenses for Organ transplant are payable.
- Ambulance Charges at the rate of 1% of the Sum Insured.
- Hospital Cash at the rate of 0.1% Sum Insured per day, up to a maximum of 1% Sum Insured.
- For Pre Existing Diseases Waiting period is 48 Months as per clause 4.1 of the policy document
- For specified diseases waiting period is 24 months as per clause 4.3.1 of the policy document
- 139 Day Care procedures are covered under this policy
- Optional Cover I: No Proportionate Deduction
- Optional Cover II: Maternity Expenses Benefit for Sum Insured 5 Lakhs and Above (Maximum of 10% of the average SI of the Insured Person in the preceding three years)
- Optional Cover III: Revision in Limit of Cataract (For 8 Lakhs & above SI revised limit for Cataract will be 10% of the Sum Insured)
- Optional Cover IV: If Voluntary Co-Pay of 20% is chosen then 15% discount on premium will be given on the premium payable for the Insured person
Max Bupa Health Insurance Plans
Max Bupa Health Insurance is a leading standalone health insurance provider serving 3 million plus customers since 2010. At Max Bupa, our mission is to help our customers live healthier and more successful lives by providing expertise as their healthcare partners. For us, health insurance is not just an annual transaction. Rather, it is about building a long-term relationship with our customers.
A health insurance plan designed to give you and your family more than you expect from a health insurance plan. ReAssure health insurance plan is tailored to secure you and your family’s health and financial well being with features that keep giving you more, like coverage options up to ` 1 Cr, unlimited reinstatement of base sum insured, safeguard against medical inflation, to giving you a complete cashless experience with coverage for even the consumables, ReAssure just keeps giving you more. This plan comes with the promise to keep you motivated to stay fit with its Live Healthy Benefit, so that you stay healthy and keep getting more!
Thoughtfully designed plan to keep you more secure and comfortable at the time of hospitalization
Coverage for all medical expenses one could generally incur at the time of hospitalization, including room rent coverage with no capping, to medical practitioners’ fees, investigative tests, medicines, OT charges and many more.
Coverage for all medical expenses incurred during Day Care Treatment requiring more than 2 hours of hospitalization, including angiography, dialysis, radiotherapy and more.
Coverage for modern treatments like deep brain stimulation, oral chemotherapy to robotic surgeries and stereotactic radio surgeries, stem cell therapy and more.
Coverage for inpatient treatment under AYUSH that allows you to opt for Ayurveda, Unani, Siddha, and Homeopathy treatments.
Coverage for pre and post hospitalization expenses up to the sum insured, 60 days prior and 180 days post hospitalization.
Coverage of all medical expenses for organ donor’s in-patient treatment for harvesting of the organ donated.
Aditya Birla Health Insurance
Just like exercise and a balanced diet enhance your health; our Activ Health Platinum – Enhanced plan is designed to support you in your journey towards well being. After all, health is wealth, isn’t it? The Aditya Birla Health Insurance Activ Health Platinum- Enhanced Plan is more than just Health Insurance it is a stepping stone towards a healthy life. With unique benefits such as HealthReturnsTM, Reload of Sum Insured, cover for Modern Treatments methods and Chronic Management Program, the Activ Health Platinum- Enhanced Plan is one of a kind. The plan covers hospitalization expenses for Covid-19 too.
Eligibility
The minimum age of enrollment under Activ Health Platinum – Enhanced plan is 91 days. On the other hand, there is no maximum age of entry. Relationships covered includes self & legally wedded spouse, dependent children up to 3 (i.e. natural or legally adopted) between the age 3 months to 25 years
Manipal Cigna Health insurance
More than a health plan.
At Cigna, we work with you to find the right health insurance and help you get the most value from your plan. If you live in the Chicago area, we have a health plan that may be right for you. We offer Cigna Connect plans in the following counties: Cook, DuPage, Grundy, Kane, Kankakee, Kendall and Will.
All of our plans in Illinois offer:- $0 annual check-up, flu shot, cholesterol and blood pressure screenings.1
- $0 Telehealth visits so you can talk to a board-certified doctor about minor health issues no matter where you are in the United States, anytime – day or night.2
- A variety of in-network options for you to get care that can save you time and money.
- Access to customer service and our Health Information Line, 24/7/365.
- Financial assistance to help lower your monthly premium and/or out-of-pocket expenses, if you qualify.
- Discounts toward gym memberships, vision exams and eyewear.
Let’s take a look at some important items to think about when choosing a Cigna health plan.
1. Understand costsWhen researching a health plan, the first thing you should do is review costs so you choose a plan that meets your monthly and overall budget. Cigna offers plans with a range of deductibles, so you can find the plan that best meets your needs. There are different kinds of costs you should understand, including premiums, coinsurance, deductibles, and copays. 2. Know the plan’s network.
When choosing a plan, you should know how the plan’s network operates and the area that it covers. The Cigna Connect Network is a Health Maintenance Organization (HMO), which gives you access to local providers selected with cost and quality in mind. 3. Understand how your plan works.
Knowing how different plans work is important when choosing a plan. 4. Consider financial assistance on the Exchange.
If you qualify, there are two forms of federal financial assistance available when buying a plan on the Exchange.
- Premium Discount on Multi Year Policy*
- 15500+ Cashless Healthcare Providers
- Comprehensive Coverage Including Ayush Treatment
- Hassle-Free Experience with 95.2% Claim Settlement Ratio
- Tax savings upto 75000* under section 80D
Health insurance is a vital safety cushion for one’s hard-earned savings in today’s age of mounting healthcare costs. Getting a health cover has become easy. Nowadays, you will find a variety of health insurance plans in India for diverse healthcare requirements. Make sure you thoroughly assess your needs before taking the crucial decision of choosing the best medical insurance policy for the well-being of your family. The best health insurance plan is the one designed to meet the specific healthcare needs of you and your family and offers a wide-ranging yet affordable coverage and health benefits for a financially secure future.
Furthermore, technology has made it easy to buy medical insurance online, and you can get the best health cover wherever you are. So, review the various policies and make an informed decision.
