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What is health insurance? (what is health insurance)
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A health insurance policy extends coverage against medical expenses caused by accidents, illness or injury. An individual can avail such policy for monthly or annual premium payment for a specified period.
During this period, if an insured person meets with an accident or falls victim to a critical illness, the cost of treatment is borne by the insurance provider.
You can also enjoy the many add-on benefits provided with health insurance policies, which we are going to give you all the details in this post. If you want to know everything about health insurance then complete this post. Read|
Some important information about health insurance
For the last 2 years, all the citizens of the world are cautious about their health, the importance of health insurance has increased a lot during the pandemic. In the absence of insurance coverage, many families face financial loss due to illness.
Which is the best health insurance?
Following are the best health insurance plans in India such as:
Health Insurance Plans Admission Age (Min-Max)
Reliance Critical Illness Insurance 18-55, 60, and 65 years (as per SI)
Royal Sundaram Lifeline Supreme Health Plan 18 years and above
SBI Arogya Premier Policy 3 months – 65 years
Star Family Health Optima Plan 18-65 years
Cashless treatment can be availed only in those network hospitals which are empaneled by the insurance company. In case of unplanned hospitalization, the insurance company has to be informed within 24 hours of the hospitalization. Notify your health insurance provider in advance of planned hospital admission. One insurance company may differ from another in terms of procedure, but it is a common procedure followed by most of the health insurance companies in India.
In this process, the entire cost of treatment is borne by the policyholder himself and the same is claimed to be reimbursed later. This claim settlement process takes a little time as compared to cashless claims. A doctor’s prescription is required to make a claim in the reimbursement process. After that it is also necessary for you to have the hospital admit card and discharge card. Also, at the time of treatment, it is necessary to have the doctor’s report, medicine bill and the cost of the examination.
Note: While getting health insurance, you should opt for cashless facility so that you do not have to deposit money before getting the treatment.