Health Insurance
Due to hectic work-life and changed lifestyle with no time for workout and having healthy diet, health is often the most ignored area, resulting into several serious health ailments. Heart diseases are most common at young days, with high mental pressure.
While there is no alternative to take proper care, in case of medical treatment, the increased cost of leaving with healthcare cost is rising at a rapid rate, it is becoming unaffordable to bear the treatment cost from own pockets. Further, during the time of treatment, you often have to take leave from your occupation and this impacts the regular earning. So it is double whammy, one side your earning goes down, other side you have to spend big mullah on treatment.
Taking a proper health insurance plan comes as big relief in such times. Some people specially in the employment sector, are covered by corporate health insurance plan provided by their employer and feel that they need not buy separate plan for themselves and their family. However, this is also a big misconception as there are several exclusions in corporate health insurance and in case one changes his job and if some medical emergency strike during such time at may cost heavy.
InsuranceManager.com facilitates in providing insurance which suits your requirement with multiple options.
Each policy offering something unique to suit your specific needs.
Individual Mediclaim Insurance: Here, each individual will have a separate sum insured.
Family Floater Health Insurance: Here, the sum insured will be shared by each of the family members.
Senior Citizen Health Insurance: These plans are exclusively designed for senior citizens, which covers medical expenses incurred during hospitalization as well as the pre/post-hospitalization period.
Top-up Health Insurance: Also known as a Surplus Plan, this will allow you to extend your health insurance cover. It takes care of the additional hospitalization expenses over and above the deductible amount.
- Room expenses in hospitals or nursing homes.
- Doctor/nursing expenses.
- Surgery.
- Cost of medicines.
- Pre & post hospitalisation expenses (diagnostic reports, medical bills).
- Comprehensive coverage for your family with individual or floater sum insured.
- Cashless claims facility at over 3,000+ network hospitals across India.
- Income Tax Benefits u/s 80D.
- Renewal reminder service.
- Affordable premium options.
- Waiting period for diseases contracted during the first 30 days.
- Certain diseases are excluded from the scope of cover for one or two years depending on the plan.
- Pre-existing diseases have a waiting period of two to four years depending on the plan opted for.
- Any pre-existing illnesses.
- Specified illnesses for the first year.
- Specified illnesses in the case of domiciliary hospitalization.
- Any treatment for the first 30 days from the time of inception of the policy, unless due to an accident.
- Treatments related to HIV / AIDS.
- Treatments due to abuse of alcohol or intoxicants.
- Vaccination and inoculation.
- Nuclear and war perils.
- Naturopathy treatment.