Compare Health Insurance : an important step

Every human being wants to have the best health insurance plan. But, the common problem that is noticed in the country of India is that majority of people make a random choice, when it comes to choosing health insurance. They choose the plan that is used by their friend or relatives. It is not a right means to adopt. Instead, if one wants to have the best plan, an ideal way is to search it on the basis of healthcare needs.

One should list down his/her healthcare needs and then, look for the plans online. Products that fulfill healthcare needs should be shortlisted and then an important step, so called ‘compare health insurance quotes’, should be done. It is advised that one should compare health insurance plans on the basis of the following parameters:-

• Premium
• Coverage Limit
• Benefit
• Facilities
• Exclusions
• Waiting period

It has been seen that many people, after comparing health insurance products, reach to the conclusion that Apollo Munich is the best provider that offers comprehensive cover at reasonable rates. It has brought coverage for almost all perils, which include Critical illness, maternity expenses, daily cash hospital benefit, new born baby coverage, accident insurance, etc.

Health Insurance Companies In India

Cashless Insurance in India : stay away from claim settlement

It is beyond doubt that there are many people in India who do not buy health insurance, as they believe that claim settlement is a complicated process and thus, it is better to stay away from these products. Looking into this problem faced by people, health insurance provider have tied few reputed hospitals of the country and added them in their network. This group of network hospitals gives customers a facility of cashless hospitalization. Using this facility, an individual can seek quality medical treatment from the hands of experts without worrying for the medical bills.

The facility of cashless insurance in India is liked by many citizens, as it keeps them away from the process of claim. It is the facility that helps a policy holder to seek treatment from the hands of experts and walk out of the hospital premises without paying the bills. Health Insurance Company directly settles the bills to the hospital, on behalf of an insured.

The only point that one should keep in mind at the time of availing treatment on cashless basis is that there is an approval required, either from TPA or from the insurer, before getting treatment. Apollo Munich offers this facility in more than 4000 hospitals of the country.

Encourage people to buy Mediclaim Health Insurance: today’s need

85% of people in India still pay for the medical expenses from their pockets, when there is an option to buy mediclaim health insurance and get them financed. What could be the reason behind it? Why people don’t use this tool? It is perhaps, because they are not aware of this tool that can bring them a way out to live in a secured environment. This coverage gives an insured a feel of security. Health or medical insurance can be a lot helpful at the time of medical emergency.

Looking into the gravity of the matter that very less number of people in India belongs to the pool of uninsured individuals, health insurance provider should come forth and identify people’s health needs and offer coverage for the same in its products. Apollo Munich Health Insurance Company, a joint venture between the Apollo Group of Hospitals and Munich Health, is one of the companies that have actively participated to help people buy mediclaim health insurance and enjoy the life under health cover.

The company is trying its best to spread health insurance awareness and bringing the best-in-class product so that customers do not feel ended up with the wrong choice.

Family Health Plan : a wonderful tool to deal with high rising medical costs

It is must to have family health plan, as it is only tool to deal with high rising medical expenses. These plans offer health cover to all family members under a single plan, thus curb down the affordability problem that is faced by most people in case of with individual health insurance coverage.

One should look into all the associated factors that are necessary to make the right choice. It includes premium, coverage limit, benefits, deductibles, waiting period, copayment etc. furthermore, a person should also read exclusion section, as it directly gives an idea of the uncovered perils. It is always suggested to buy from a reputed provider to ensure that a person gets the best coverage.

One such product is Apollo Munich’s Easy Health plan. It is available in three variants—Standard, Exclusive and Premium, designed keeping health needs of all sections of society. . It offers cover to inpatient treatment, pre- and post-hospitalization, day-care procedures, daily cash for choosing shared accommodation, maternity benefits, health checkups, spectacles etc. Besides it, there is an optional coverage for Critical Illnesses and New Born Baby. These benefits may differ from one variant to other. So, read the plan’s coverage properly and then buy the one that fulfill health needs the most.

Purchase Health Insurance and keep financial constraint

Health risks are part and parcel of life. Some time they may be small enough to handle at home. On other hand, they may be grave enough and might require quality medical treatment or hospitalization for the same. It becomes very difficult to settle medical expenses or the long hospitalization bills. It is expected that these treatment costs are going to rise steeply. In such a case, it would be very difficult to afford such expenses.

An ideal way to take care of these medical expenses is to purchase health insurance plan and make quality healthcare accessible. It curbs down the financial anxiety or stress that might be engendered. An insured can visit any reputed hospital and can get treated from the hands of experts. Besides it, these plans also give you an access to enjoy various facilities with different healthcare solutions.

So, purchase health insurance and keep financial constraint away from medical treatment. It helps an insured to recover soon from the ailment.

The only thing that you need to take care of is to purchase health insurance from a reputed provider, like Apollo Munich to ensure that you get the best coverage at reasonable rates.

Know about Health Insurance Policies

Health insurance policy is the right tool that a person should use to seek quality medical treatment. It does not allow financial expenditure to be built on an insured or his/her family. There are various types of health insurance policies, accident insurance policies and travel insurance policies that offer health coverage at different situations of life.

Health Insurance caters healthcare needs of an individual by acting as an ideal vehicle to finance medical expenditure. It is believed that medical costs are likely to increase to such an extent that it will become difficult to pay for them from the pockets. Hence, health insurance becomes must to avail quality healthcare.

It is always recommended to buy health insurance policies from a reputed health insurer, such as Apollo Munich, and that too, as early as possible because there are myriad of benefits that a person enjoys for buying early. Firstly, the early one gets it, the less he/she has to pay. Premium amount increases with age. Secondly, it is only after three-four years of the plan that an insured gets the real benefits of health insurance policies, as by that time, waiting period for different disease elapses and many more. .

Buy Health Insurance Plan with wide coverage

Health insurance plan is a legal agreement between a policy holder and a health insurance provider. In this agreement, an insurer promises to offer health coverage to an insured for certain risks arising due to a sudden mishap. An insured is supposed to pay the periodic premium amount for the same. It is said that once a person buys health insurance plan from a reputed health insurance company, like Apollo Munich, he/she can enjoy the coverage to the greatest extent.

Apollo Munich’s Easy Health plan is believed to be the best-in-class product. This product comes in three variants: Standard, Exclusive and Premium, each differ from one another in coverage limit and benefits. These variants satisfy the heath needs of people of different income group. The most important feature of this plan is that it comes with lifelong renewal feature, thus giving it users an access to renew the plan for their whole life and enjoy the coverage.

Besides it, this plan also offers coverage to maternity expenses and critical illnesses. Maternity expenses comes with a waiting period of 4 or 6 years and Critical illness cover is an optional coverage that promises an insured to offer lumspum payment, if in case an insured is diagnosed suffering from any one of the eight enlisted critical illnesses.

Buy Mediclaim Health Insurance Today

The privatization of health insurance has brought many insurers, which in turn, has brought several health insurance products into Indian health insurance market. But, still there are many people who pay for their medical expenses from their pockets. All these expenses can be used to fulfill dreams or for some constructive purpose, if people buy mediclaim health insurance.

When people buy mediclaim health insurance, all medical expenses get financed by an insurer. Thus, the need of an hour is to encourage people to buy mediclaim health insurance so that medical treatment can be made affordable and accessible for one and all.

The best thing that a provider can do is to identify people’s health need and offer coverage for the same in its plans. Apollo Munich Health Insurance Company, a joint venture between the Apollo Group of Hospitals and Munich Health, has adopted this ideology for devising its products and is successful in offering required health cover to majority of Indian citizens. Working on same lines, the company is looking forth to offer this coverage to more than 500 million people over next few years. It will surely improve the condition of health insurance in India.

Health Insurance Premium can be calculated easily

Everyone should have health Insurance, as it is the only solution to the medical care affordability issue. In order to seek health coverage from insurer, a person is supposed to pay a certain amount, known as health insurance premium. The amount to be paid as premium is decided as per the guidelines of health insurer. It depends upon candidate’s age, health status, lifestyle, occupation and coverage limit. It may also vary with the state.

An insurer use health insurance premium charts that directly state the amount to be paid with respect to plan opted for. It maintains the transparency between the client and the company. These charts are comparative charts which show the amount to be paid for different available option. These charts can easily be obtained from agent of the company.

For further convenience, many notable health insurers, such as Apollo Munich, have brought their online premium calculator to compute the amount to be paid. It is user-friendly tool that calculates the amount at just a few clicks of the mouse. A person is supposed to fill the basic information asked and then, can know about health insurance amount to be paid for the same.

So, buy as per your needs, Calculate Your Premium Now

Best Insurance Company with a long list of advantages

It is said that if a person buys health coverage from the best insurance company, he/she can enjoy the services to the greater extent. A reputed provider looks at its customer’s satisfaction and tries to offer the best services with its products. One such company is Apollo Munich Health Insurance Company, a joint venture between the Apollo Group of Hospitals, Asia’s largest healthcare provider and Munich Health, part of Munich Re, Europe’s largest insurer.

Both these partners are experts in their own fields and thus, bring out the best-in-class products. Majority of people in India believe that Apollo Munich is the best insurance company as they offer wide coverage at reasonable rates. Secondly, they bring the feature of portability, which helps a person to shift from other health insurer to Apollo Munich along with the policy benefits. Thirdly, they offer the facility of cashless hospitalization in more than 4000 network hospitals of the country. Fourthly, they take care of both curative and preventive health needs. Fifthly, their plan comes with lifelong renewal feature that gives an insured an access to renew the plan every year and enjoy the coverage for the entire life. In addition there are many other benefits such that the list continuous……and proves that Apollo is the best health insurance company.

Accident Health Insurance: a friend in need

An Accident is the term used to denote a sudden mishap that can bring huge changes in the life of an individual. It may lead to death, disablement or bodily injuries that may reduce the earning capacity of a victim. After an accident, arranging for the finances to seek quality medical treatment becomes the immediate need of an hour. Many people borrow money or sale off their household assets.

But, all these issues of life would have been solved out, if the victim would have Accident Health Insurance. These are the plans designed to offer coverage for health issues arising at the time of an emergency. These plans offer a beneficiary a lumpsum payment, in case of death of an insured and a proportion of the sum assured, in case of disablement or the other bodily injuries.

These products are designed to offer coverage to many other risks, such as coverage for emergency ambulance cover, accident medical expense and many other. One such plan that is most liked by the people of India is Apollo Munich’s Individual Personal Accident Health Insurance Plan. The plan is available in two variants—Standard and Premium. Both these variants offer different sum assured range, suiting people of all income groups.

Buy Health Policy Online—a hassle free means

Those days are gone when people use to wait for agent for issuing health insurance or renewing these plans. Nor they have to stand in long queues to get the work done. The digital revolution has brought about the huge change. Now, a person can renew or buy health policy online at the comfort of home. Almost all notable health insurance companies have brought their websites, which contain the link for buy health policy online and online renewal. Both these links take an insured to their respective online portal and thus, make the whole process easier.

Apollo Munich has brought simple and easy online means, which help a person to buy health policy online in just four simple steps and renew the plan in just two steps. A person buying health insurance online has to select a plan, create proposal, fill insure details and make a payment. There is also online premium calculator that calculates the amount of premium that an individual has to pay. For an individual who want to get the plan renewed has to carry out just two steps—login either by policy number or by member id and make a payment.