THE HEALTH INSURANCE SPECIALIST
Health Insurance Plans
Good health is the greatest wealth. To keep it intact, we ensure that your health is secured with an array of our flexible Health Insurance Policies.
INSURANCE
Health Insurance Catered for Everyone
Spending for your health is not an expense but an investment. With ever-increasing health risks, Medical Insurance has become essential for everyone, irrespective of age. By keeping this in mind, we offer the best mediclaim plans to safeguard you and your family from financial troubles and help you never compromise on your health.
All Health Plans
Best Health Insurance Plans to secure yourself
Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd.
Rural Discount: 20% discount on premium for the rural population
Modern Treatments: Get cover for Modern treatments up to 50% of the Sum Insured
AYUSH Cover: Covers hospitalisation expenses towards AYUSH treatments
Diabetes Safe Insurance Policy
Diabetic Cover: Designed to cover people diagnosed with both type-1 and type-2 diabetes
Family Cover: Can also avail this policy on a floater basis(self & spouse) if either of them is diabetic
Automatic Restoration: Get 100% of the Sum Insured restored once in a policy year for Individual plan
Family Health Optima Insurance Plan
Automatic Restoration: 100% of the Sum Insured is restored thrice in a policy year
Additional Sum Insured for Road Traffic Accident: The Sum Insured is increased for Road Traffic Accident on exhaustion of the limit of coverage
Recharge Benefit: Get additional indemnity once in a policy year on exhaustion of the limit of coverage
Medi Classic Insurance Policy (Individual)
Restoration Benefit: 200% of the basic Sum Insured is restored once in a policy period
Road Traffic Accident: The Sum Insured is increased for Road Traffic Accident on its exhaustion
Long-Term Discount: If the policy is opted for a term of 2 or 3 years, then a discount on the premium is available
Senior Citizens Red Carpet Health Insurance Policy
Elderly Cover: Designed for the age group of 60 – 75 years with lifelong renewals
Outpatient Cover: Get cover for medical consultations as an outpatient at Network Hospitals
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Star Cancer Care Platinum Insurance Policy
Exclusive Cover: Specially designed policy for people diagnosed with Cancer
Wide Cover: In addition to Cancer, it also covers regular hospitalisation expenses unrelated to Cancer
Lump Sum Cover: As an optional cover, a lump sum is provided for recurrence of Cancer, metastasis and/or second malignancy unrelated to first Cancer
Star Cardiac Care Insurance Policy
Cardiac Cover: Covers person diagnosed with Cardiac ailments aged between 10 and 65 years
Non-Cardiac Cover: Also covers Non-Cardiac ailments and accidents
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Star Cardiac Care Insurance Policy-Platinum
Exclusive Cover: Specially designed policy for people diagnosed with Cardiac ailment or disorder
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Cardiac Devices: Get up to 50% of the Sum Insured for Cardiac devices
Star Comprehensive Insurance Policy
Automatic Restoration: Get 100% of the basic Sum Insured restored once in a policy year
Buy-back PED: Optional cover to reduce the waiting period in respect of Pre-Existing Diseases
Mid-term Inclusion: Newly married/wedded spouse and new born baby are covered on payment of additional premium
Star Critical Illness Multipay Insurance Policy
Unique Cover: The policy covers 37 major critical illnesses
Star Wellness Program: Avail premium discounts for maintaining a healthy lifestyle
Pre-insurance Screening: Pre-insurance screening is not required until 50 years of age to avail this policy
Star Extra Protect - Add on Cover
Add on Cover: Get the limits of your base policy enhanced with an affordable premium
Modern Treatment: Expenses are covered up to the Sum Insured of the Base policy if there is an admissible claim under the base policy
Claim Guard: Get cover for non-medical items if there is an admissible claim under your base policy
Star Health Assure Insurance Policy
Family Size: Covers 6 Adults and 3 Children including, self, spouse, parents and parents-in-law
Automatic Restoration: Sum Insured will be restored unlimited number of times and maximum up to 100% each time
Long-Term Discount: If the policy is opted for a term of 2 or 3 years, then a discount on the premium is available
Star Health Gain Insurance Policy
Wide Cover: Provides broad cover for both in-patient hospitalisation and outpatient expenses
Modern Treatment: Expenses are covered either as in-patient hospitalisation or day care procedures
Outpatient benefit: Outpatient expenses incurred at any Networked Facility are covered
Star Health Premier Insurance Policy
Special Policy: Designed for people aged 50 years and above without any maximum age limit
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Health Check-Up Discount: 10% premium discount is available if listed health check-up reports are submitted at the inception of the policy and subject to the findings in the submitted report
Star Hospital Cash Insurance Policy
Lump-Sum Benefit for Hospitalisation: Designed to provide daily cash benefit for incidental expenses on hospitalisation
ICU Hospital Cash: Get up to 200% of the hospital cash amount (per day) in case of ICU hospitalisation
Accident Hospital Cash: Get up to 150% of the hospital cash amount every 24 hours of hospitalisation in case of accidents
Star Micro Rural and Farmers Care
Rural Cover: Exclusively designed for rural population
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Less Waiting Period: PED & Specific Diseases are covered just after 6 months
Star Out Patient Care Insurance Policy
Outpatient Cover: Outpatient consultation expenses are covered at Network Hospitals
Diagnostic & Pharmacy: Expenses are covered at Network Hospitals
Dental & Ophthalmic: Expenses are covered at Network Hospitals
Star Special Care
Special Cover: A unique policy designed for people diagnosed with Autism Spectrum Disorder
Medical Screening: Pre-insurance screening is not required to avail this policy
Modern Treatment: Expenses for Modern Treatments are covered up to specified limits
Star Women Care Insurance Policy
Unique Cover: A specially designed policy that provides multi-fold benefits for women
Automatic Restoration: 100% of the Sum Insured is restored once in a policy period
Delivery Expenses: Normal & C-section delivery expenses are covered (including pre and post-natal)
Super Surplus Insurance Policy
Top-up Plan: Get enhanced health coverage at an affordable premium
Recharge Benefit: Get additional indemnity on exhaustion of the Sum Insured at no additional cost
Long-Term Discount: If the policy is opted for a term of 2 years, then 5% premium discount is available
Young Star Insurance Policy
Automatic Restoration: 100% of the Sum Insured is restored once in a policy period
Mid-term Inclusion: Entitles you to add newly married or wedded spouse, legally adopted child and new born baby in the middle of the policy year
Loyalty Discount: 10% discount for opting the policy before 36 years and continuously renewing it beyond 40 years of age
Special Care Gold, Star Health And Allied Insurance Company Limited
Unique Policy: Designed to provide cover for Persons with Disability or/and Individuals with HIV/AIDS
AYUSH Cover: Hospitalisation expenses towards AYUSH treatment are covered up to 50% of the Sum Insured
Pre-insurance Screening: Pre-Policy Medical check-up is not required to avail this policy
Young Star Extra Protect–Add on Cover
Enhanced Cover: Get enhanced coverage limits of your base policy at an affordable premium
Non-medical Items Cover: Get coverage for non-medical items if there is an admissible claim under your policy
Ayush Treatment: Get cover for AYUSH treatments up to the Sum Insured of the base policy
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HEALTH INSURANCE
What is Health Insurance?
Health Insurance is a shield that protects you and your family from financial instability during health emergencies. Against the common misconception that Medical Insurance is only for the elderly or people with health risks, its necessity is indispensable for everyone. A Health Insurance plan offers peace of mind in times of hospitalisation by taking care of your medical bills.
Uncertainties like COVID-19 have taught us the necessity of Medical Insurance. On the other hand, with the continuous spike in medical inflation, a Health Insurance plan can save your day either by providing cashless treatments or reimbursements on the incurred medical expenses. The flexibility of our Health Insurance is as such it can be availed either on an Individual or Floater basis to get wide coverage.
IMPORTANCE OF INSURANCE
Why Do I Need a Medical Insurance Plan?
The rising medical costs and an ever-increasing number of diseases make Health Insurance a necessity. At current times, while making your financial planning, never miss out to add Health Insurance to your list.
STAR HEALTH
Why Choose Star Health Insurance?
As the Health Insurance Specialist, we extend our services from offering tailor-made insurance policies to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
Wellness Program
Talk to Star
COVID-19 Helpline
Diagnostic Centres
E-Pharmacy
CATEGORIES
Types of Health Insurance Plans
Health Insurance has become essential for everyone irrespective of age. The benefits of the medical insurance policies differ based on their types. Choose the policy that suits your needs by knowing about their types.
Indemnity Health Insurance Plans
Indemnity Health Insurance plans compensate the actual incurred medical expenses both in terms of cashless treatment facilities as well as reimbursements. Such types of mediclaim plans are available on Individual and Floater basis. They provide coverage up to the opted Sum Insured.
Fixed Benefit Health Insurance Plans
Fixed benefit Health Insurance plans provide lump sum cover for critical illnesses such as Cancer, Chronic Kidney Disease, Brain tumour, etc. Keeping in mind the financial hardships one may undergo during life-threatening critical illness, the policy also pays the insured in one go.
Top-Up Health Insurance Plans
Top-up Health Insurance plans provide additional cover even after the exhaustion of the Sum Insured of your existing policy. Sometimes the opted cover may not be sufficient to meet your medical needs. In such times, a top-up policy can reinforce financial protection by providing additional coverage.
CLAIMS
How Does Our Claim Process Work?
Get to know the steps involved in the Claim process. Whether it is a planned or emergency hospitalisation, filing a claim is made easy by choosing any of the following ways.
Intimate the claim by filling up the Pre-Authorisation form at our Network Hospital
KNOW WHAT ARE COVERED
How to Choose the Right Medical Insurance Plan?
Buying a mediclaim policy is one of the best investments you ever make. But how to choose a plan that best fits your needs? Knowing the inclusions and exclusions help you choose the best medical insurance plan. Here are some ways that will guide you through the process.
Hospitalisation Expenses
Pre & Post-Hospitalisation
Day Care Treatment
Domiciliary Hospitalisation
Organ Donor Expenses
Road Traffic Accident
AYUSH Cover
Health Check-up
Automatic Restoration
TAX DEDUCTION
Avail Tax Benefits
A Health Insurance Policy not only covers your medical expenses but also saves you money on taxes. As Medical Insurance is an essential investment, Section 80D of the Income Tax Act, 1961 allows a tax deduction for the premium paid towards a Medical Insurance plan. Here are a few additional advantages.
You can claim tax deductions of up to Rs. 25,000/- by paying a Health Insurance premium for yourself or your family. If you are paying the premium for your parents as well, you can claim a higher tax deduction of up to Rs. 1 lakh.
In addition to premiums, you can also claim tax deductions for expenses incurred towards preventive health check-ups as well. Under Section 80D of the Income Tax Act, 1961, you can claim Income Tax deductions up to Rs. 5,000/-.
ONLINE BENEFITS
Why Buy Health Insurance Online?
Buying a Medical Insurance policy online is loaded with benefits. Here are a few of them.
SECURE EARLY
Benefits of Buying Medical Insurance at an Early Age
There is no specific age for buying a Health Insurance plan. However, opting for a medical insurance plan at an early age has its advantages.
Age is an important factor in calculating the premium of Medical Insurance. The younger you are the lower your premium will be.
You can avail a no-claim bonus for every claim-free year. It will enhance the Sum Insured that benefits you at later stages.
No need to share your medical bills as co-payment is not applicable when you opt for a Medical Insurance Policy at a young age.
RENEWAL
How to Renew Health Insurance Online?
Never miss out on the continuity benefits! Now renewal is made easy with the following simple steps.
Click on the Renew tab
Best Mediclaim Health Insurance Policy in India
Health Insurance Plans provide Comprehensive Coverage
Star Health Insurance Policies or mediclaim plans will cover all 24-hour in-patient hospitalisations due to illness, accidents and daycare treatments/procedures. All related pre-hospitalisation and post-hospitalisation expenses are payable up to the specified days mentioned in the policy clause.
Health Insurance Plans provide more Flexibility
Star Health Insurance plans provide more flexible benefits when the policyholder buys a mediclaim policy and goes through certain hardships. For instance, when the sum insured gets exhausted, additional coverage is provided without any extra premium. This is where benefits like Automatic Restoration of the basic Sum Insured, Super Restoration of the basic Sum Insured and Road Traffic Accident (RTA) on the sum insured come into place.
Note: These flexible benefits are product/policy specific. Please refer to the policy clause to learn more.
Health Insurance Plans Allow Additional Disease-Specific Coverage
With Star Health, the insured can avail of disease-specific policies for critical illnesses, cancer and cardiac ailments along with in-patient hospitalisation as a general mediclaim Health Insurance Policy. We have a wide range of mediclaim Health Insurance Policies to choose like Star Cardiac Care Insurance Policy-Platinum, Star Cancer Care Platinum Insurance Policy and Star Cancer Care Platinum Insurance Policy.
Health Insurance Plans Cover non-Hospitalisation Expenses
The insured can avail of non-hospitalisation expenses covered with most of our mediclaim Health Insurance Policies. Those include expenses, dental treatments, annual health check-ups, out-patient care treatments, diagnostics, consultations, etc.
Our Best Health Insurance Plans
Health issues increase with a sedentary lifestyle and advancement in age to a larger population. The current pandemic situation has underlined the need for Health Insurance more than ever before. All our policies provide coverage for COVID-19, on the purchase of a Health Insurance plan by a healthy individual/family, if diagnosed with COVID-19 and require hospitalisation. Covid-19 treatments are covered with some waiting period as mentioned in the policy clauses.
Our varied, feature-rich Health Insurance plans are available for several health issues and provide peace of mind at times of financial crisis due to medical contingencies and uncertainties.
Health Insurance plans primarily are of different types and are classified under two categories based on their coverage – for an Individual and a Family.
- Individual Health Insurance Plan
Buying Individual Health Insurance plans cover an individual person for opted Sum insured, which can be used by the insured individual only.
- Family Floater Health Insurance Plan
In the context of Family Health Insurance, a family indicates self, spouse and the dependent children and parents.
The Family Floater Health Insurance plan covers an entire family with a single premium, and the sum insured floats among the insured family members. At hospitals across India, the insured and family members can avail of quality-assured in-patient hospitalisation, modern treatments, diagnosis, surgeries, etc along with a host of other features.
List of our Best-Buy Health Insurance Policies
Key factors to consider before buying your Health Insurance Policy
Choosing the best Health Insurance is quite a task. It is hard to pick the best plan while numerous firms are offering Health Insurance. The inclusion and exclusion differ from each policy. Every information that you gather will help you in the process of choosing the right Health Insurance Plan.
If you are planning to buy Health Insurance, you should also pick the right Insurance Provider.
Check out the plans offered by the Company. Every Insurance Company has its own Network Hospitals, so make sure to choose a company that offers a wide Network of Hospitals. Give equal importance to the claim settlement ratio, and go for the one that has a high claim settlement ratio.
When it comes to choosing the best Health Insurance Policy, be mindful of the following:
Inclusion and exclusion are the key factors, so it is important to read them carefully before opting for the policy. This can avoid misconceptions during the claim process. Understanding your Health Insurance coverage gives you an upper hand while filing a claim.
Waiting Period in Health Insurance should be of major concern because, during the waiting period, you cannot raise a claim to avail the benefits. Thereby, it is essential to know the duration of waiting periods. It is advisable to choose a policy that has a lower waiting period.
Network Hospitals are the hospitals that work in agreement with Insurance Companies to provide cashless treatment. Go for the insurer who has a wide network of hospitals as you can choose the one that suits you best.
Co-payment refers to the sharing of medical bills between the insured and the insurer. Some policies make co-pay mandatory and for some it is optional. Being aware of your co-pay gives you more flexibility while planning your finance.
Sub-limits are a common factor in Health Insurance. The policy might have sub-limits for different expenses such as room rent, Domiciliary treatment, AYUSH treatment, Cataract treatment, etc. So, the claim amount for such expenses is covered up to the mentioned sub-limits and you have to pay the balance amount.
A cumulative Bonus is also known as no-claim bonus. If you do not raise a claim during the policy period, then your Sum Insured will be enhanced by certain percentage. Such enhancement is called a cumulative bonus. The accumulated bonus will come in handy during the needful times.
Our Best Speciality Health Insurance Plans
Policy for Diabetes
The evolving lifestyle gives rise to serious diseases and disorders. One such complication is Diabetes. With the rise in medical inflation, having a Diabetes Insurance plan can save you from your financial breakdown. Our Diabetes Safe Insurance Policy is specially designed to cater for the needs of people diagnosed with both type 1 & type 2 Diabetes.
Policy for Cancer
Cancer is a serious threat and one of the leading causes of death across the world. A specific insurance policy for cancer offers cover for hospitalisation, treatment and diagnosis related to cancer. Our Star Cancer Care Platinum Insurance Policy is specially designed for people who are diagnosed with Cancer. In addition, it also provides coverage for non-cancer ailments.
Policy for Cardiac Ailments
Lifestyle changes also come with complications. With ever-increasing risks of cardiovascular illnesses and other associated complications, it becomes crucial that you secure yourself with the best Health Insurance plan. Our Star Cardiac Care Insurance Policy-Platinum provides wide coverage for cardiac illnesses. It doesn’t stop there. It gives coverage for non-cardiac ailments as well.
Policy for Critical Illness
In most cases, health problems occur unexpectedly and the rising medical inflation adds to the trouble. The treatment for critical illness is expensive and runs for a longer course of time. Do not worry about the treatment expenses because our Star Critical Illness Multipay Insurance Policy, insures you against 37 critical illnesses. The policy provides a lump sum on the diagnosis of critical illnesses under 4 groups.
Why Star Health is a Best Health Insurance Company?
Our motto is to serve the customers with the utmost care. We listen deeply to you, so we can provide Health Insurance plans that earn your trust.
We are a Health Insurance Specialist, and here goes our list of most recent achievements on our customer-centric policies:
- India’s Best Health Insurance Company For Retail Product – Insurance Alerts
- Most Innovative New Product of the Year 2020
- Young Star Insurance Policy had been awarded the Most Innovative New Product of the Year at ASSOCHAM’s Insurance E-Summit and Awards 2020
- Best BFSI Brands 2019 by Economic Times
- Best Health Insurance Provider of the year – Business Today, Money Today Financial Awards 2018–2019
- Health Insurance Provider of the year Silver Award by Outlook Money Awards 2018
Reasons to choose Star Health Insurance Company as your Insurance Provider
- Customer – centric company
Products are customer-centric and designed based on customer needs – Star Diabetes Safe Insurance Policy, Star Cancer Care Platinum Insurance Policy, Star Cardiac Care Insurance Policy-Platinum, Star Cancer Care Platinum Insurance Policy, Young Star Insurance Policy and many more, in the pipeline to serve you just the way our customers want.
Star Health Insurance acts with a set of core values that include trust and integrity with a customer-first mindset. This enables us to go the extra mile for you with our Health Insurance plans. We consider ourselves privileged to have positively impacted the lives of those who choose to be a part of the Star family.
- 89.9% of claims settled in less than 2 hours under cashless at our network hospitals
Cashless facility is made available within 2 hours in network hospitals across India. Our in-house claim settlement process is a major factor, which has allowed us to achieve this massive success rate. We ensure a hassle-free claim process and settlement done by qualified in-house doctors.
- PAN India presence
Ever-growing 14,000+ network hospitals across India.
- Claims settled by qualified doctors
A dedicated internal team of doctors to process your Health Insurance Plan claims, and fast-track the proceedings. This team also weeds out those who use nefarious methods to gain funds and intend to make gain out of Health Insurance.
- No Third-Party Administration (TPA)
A claim does justice only when it is settled within the timeframe. Often, many insurance companies avail services of TPA and incentivized for the claim processing. Star Health Insurance does not depend on the TPA but on our in-house claim team to help process claims faster and settle them in shortest time during the most needed hour.
- A high-quality free telemedicine facility for all
Health is inclusive, and we believe in access to everybody, not only our customers. Hence, anyone can avail of our free telemedicine facilities. Talk to Star App is a specialised application designed to serve this purpose.
- Wellness programs
Star Health Insurance supports the active maintenance of good health with unique wellness programs that encourage a healthy lifestyle.
What is the procedure for Health Insurance claims?
Star Health Claim Services ensures a prompt settlement process with an easy, customer-friendly, hassle-free process. As a health insurance experts, we offer cashless claims at all our associated network hospitals in India.
Health Insurance terms you need to know about
It is important to know about certain terms before purchasing health insurance. These terms help to know more about the policy coverage and its criteria. It is important to go through all the terms to avoid major mistakes. However, some terms can be difficult to understand.
Some of the general and common terms that will help you choose the correct health insurance plans are given below.
1. Sum-Insured
Sum-insured is the policy coverage amount.
2. Premium
Premium is the amount you must pay the insurer or the health insurance company against the policy purchased. The premium will depend on the type of policy you choose, the policyholder, age and other factors.
3. Cashless Claims
Cashless claims are health insurance claims that can be availed in the insurer’s network hospitals.
4. Add-On Covers
Add-on covers are additional features that offers additional financial covers in health insurance against unknown medical emergencies that involves high medical costs.
Other names for add-on covers are riders and optional covers. Critical illness, room rent waiver, maternity cover and hospital cash benefit are some of the common add-ons that can enhance your base health insurance.
5. Critical Illness
Critical illnesses are life-threatening medical conditions like kidney failure, cancer and cardiovascular diseases. For such critical illnesses, there are special plans that cover these illnesses. Additionally, you can get an add-on or a rider cover.
6. Network Hospitals
All health insurance companies have a tie-up with a certain number of hospitals in the country. These tie-ups with hospitals are called network hospitals.
7. Automatic Restoration
Most health insurance companies are offering automatic restoration benefits. You will benefit from insurance backup when you have exhausted the sum insured. In automatic restoration sum insured gets reloaded for the next hospitalisation during the policy term.
8. Pre-Existing Disease/Co-Morbidities
Co-morbidities like hypertension, COPD, kidney diseases, diabetes and other major health issues are considered as risk factors for health insurance. So people with any of the co-morbidities mentioned above are charged a higher premium.
9. Exclusions
Exclusions or limitations are circumstances and conditions that health insurance companies will mention in their policy wordings clearly. In such cases, your health insurance claims can get rejected or will not be processed further.
10. Inclusions
Inclusions or coverage benefits are one section that you should check properly. These benefits refer to benefits and other policy features the insurer will compensate you. Some common inclusions include hospitalisation, anaesthesia, surgery, ambulance charges and treatment-related expenses.
11. Waiting Period
In medical insurance, there will be a waiting period for health conditions. During the waiting period, you cannot avail the health insurance claims. The waiting period will differ for various health conditions and insurance policies.
12. Top-Up Plans
Top-up plans are policies that can be bought along with the base policy. When the sum insured by the base policy gets exhausted, the top plans will cover you.
13. Co-Payment
A copay clause or co-payment is a fixed percentage of the amount the policyholder should pay to the hospital on the expenses in the treatment taken. Copay percentage differs from policy to policy and depends upon the entry age.
What is the need for Health Insurance?
Some of the reasons why health insurance is required.
Health insurance protects you and your family from sudden hefty medical bills, which can be financially stressful.
Health insurance covers the treatment cost for health conditions and other lifestyle diseases like cardiovascular diseases, diabetes and hypertension.
When you purchase health insurance, you can avail the tax benefit under section 80D.
How to pick a suitable Health Insurance plan from Star?
Sum Insured
Make sure to choose a policy with a coverage at an affordable premium in a policy year for hospitalisation.
Coverage Amount
When opting for health insurance, check the coverage amount under each policy. Choose the policy covering medical expenses like hospitalisation, daycare, ambulance and maternity.
Family Floater Plans
Prefer family floater plans, which will cover the whole family. Family floater plans are affordable and will cover the whole family.
Compare Various Policies
When buying health insurance, it is important to compare various plans and choose the one that suits you. It will also give you an idea about the coverage details and which policy will suit your budget.
What are the optional add-ons in Health Insurance?
Add-ons or optional features in health insurance can be included in your base policy by paying an additional amount at purchase. In most cases, people choose ad-ons as they are cost-effective and also have significant advantages.
What are the Health Insurance eligibility criteria?
Health insurance plans has different eligibility criteria, including age, pre-existing medical conditions, etc. The following conditions must be met to qualify for a health insurance plan.
- Age
The entry age for adults is 18, and they are eligible for all benefits according to the terms and conditions of the policy. However, the age criteria vary for different policies.
- Pre-Medical Screening
The pre-medical test is a must for policyholders over the age of 45 or 55. However, prior to issuing a policy, most senior citizen health plans need medical exams.
- Pre-Existing Disease (PED)
Pre-existing conditions are diseases diagnosed in the insurer before purchasing the health insurance plan. Pre-existing diseases have a set waiting period during which you are not eligible for all your health insurance benefits.
You can submit claims for that specific condition under your health insurance plan only after the waiting period. To prevent claim denial, provide the right information about your health issues and lifestyle choices
How to calculate Health Insurance premiums?
The health insurance premium is determined by a number of factors, including your medical history, the sum insured and your family’s medical history.
You can choose to pay it every month, every quarter, every half year, or annually.
You can opt for a plan with a premium payment that doesn’t seem like a burden if you have knowledge of your needs and capacities.
Busting Myths about Health Insurance
#1 People in good health don’t require health insurance
You can reap the long-term benefits of health insurance even when you’re healthy and young. Health insurance protects you from any unforeseen health.
#2 Insurance doesn’t cover pregnancy
There are insurance policies with maternity coverage subject to certain terms and conditions.
#3 Your entire medical expenses will be reimbursed
The amount of reimbursement depends on the policy. Most plans cover room charges based on the sum insured, and any excess must be paid by the insured. A policy may have sub-limits for other costs which are subject to partial reimbursement.
#4 Online health insurance purchases are not safe
Health insurance sales have gradually increased online. However, many believe that Internet transactions could result in fraud. This is untrue since insurers have launched online portals for easier policy purchases.
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