Health insurance is essential for all adults and should be purchased as soon as possible.
If you have already received a health insurance cover from your company, then you can take a top-up plan. Where the company’s health insurance does not work, your top-up plan will work there. As such, if you have left the company, then the group’s health insurance company will not work for you.
Apart from this, you can buy a health insurance policy for yourself or a joint family floater plan with your family members. In both cases, compensation plans compensate on the basis of actual expenses of your treatment.
If the medical condition is covered by your policy. According to the IRDA, there is tax benefit under Section 80D of the Premium Income Tax Act, 1961 payable for such insurance policy.
The plan of Postal Life Insurance (PLI) is also known as a security, it is a plan where the bonus and the sum assured earned after the death of the insurer is given to the nominee or the legal heir. The minimum age for entering this plan is 19 years and the maximum age is 55 years old. And under this plan of PLI, the assured sum insured amounting to the minimum sum insured is 20000 and above 10 lakh rupees. Such a policy can be converted into the Endowment Assurance Policy before the completion of one year and before the insurer’s age is 57 years. The loan facility under this plan will be available to the policy after completion of four years, and after completion of three years, the insured can surrender the policy.
1. Star health
The name of the Insurance Plan of the Star Health and Allied Insurance Company is Family. Details of all the benefits covered and not covered in this plan are given here. The cost of the premium for STAR Health Family Optima is Rs 11,055. The Family Optima Scheme for the Pre-existing Disease starts coverage after four years. The rent of the room depends on the city where the treatment is being taken and the limit is from Rs 2,000 to Rs 15,000. Free health check-counselling fees and health checks are included in this scheme. This plan also provides the option of lifetime renewal.
2. Bajaj Allianz Health Insurance
Bajaj Allianz General Insurance Company, a joint venture of Bajaj FinServ Ltd, a comprehensive financial services company, out of India and Allianz SE, is headquartered in Munich, Germany, the head of Global Financial Services, which focuses on general insurance in the country, including health. Includes. Insurance. A Joint venture, with a vast global experience of Lins Group, strives to take advantage of the extensive understanding of Bajaj Finserv’s local Indian market and extensive distribution network across the country. Bajaj Finserv Limited holds a 74% stake in General Insurance Company, while Allianz holds the remaining shares.
3. ICICI Lombard Health Insurance
ICICI Lombard Health Insurance is a product of ICICI Lombard General Insurance Company Limited. This company works as a joint venture between India’s leading private sector bank, ICICI Bank Limited and Fairfax Financial Holdings from Canada. Its health or medical insurance plans are supported by a vast network of 3200 hospitals across India. The company is known for early settlement, which is about recruitment to a cashless hospital, which is handled by the company in more than 14 days. Presenting three highly complex medical insurance plans, the company has established itself as one of the strongest competitors in India’s insurance market.
4. Religare Life Insurance
Religare Joy The sum insured is Rs. 3 lakh and Rs. 5 lakhs on an annual basis. To become part of this insurance plan, adult age must be more than 18 years old and New Born Baby should be 1 year old. 30 days before the hospitalization and 60 days after the recruitment will be included in this insurance plan. The ambulance cover is 1 thousand. So there is a cover of 35 thousand to 50 thousand for the cost before and after delivery. The cover for the newborn is 30 thousand to 50 thousand.
