At some point in their lives, everyone will suffer from a serious illness. The chances of this happening to you, your spouse, or someone close to you. An overwhelming question weighs down patients at the moment of diagnosis: What should I do next? So in that time, your health insurance plans will protect you as a real friend from these crises.
It is now possible to reduce the extra burden on your pocket with a wide variety of health insurance policies available on the market. In addition to letting you find the right treatment for your health problems, these insurance plans ensure that you don’t have to worry about out-of-pocket medical expenditures.
Top Five types of Health Insurance Plans in India to help you as a backup with Medical crises
- Critical Illness Insurance Policy
Critical illness Health Insurance insurance provides cash benefits to a person if he/she is diagnosed with a life-threatening illness. This plan includes pre-selected health conditions, so if you become ill with any of them, you can claim your insurance.
These are
- Cancer
- Kidney Failure
- Major Organ Transplant
- Stroke
- Paralysis
- Coronary Artery Bypass Surgery
- First Heart Attack etc,.
- Personal Accident Insurance Policy
Today, health insurance Policy in India are dedicated to protecting citizens from road accidents, due to the increase in road accidents over the years. It is quite traumatising to bear the expenses associated with medical treatment, losing a life, or becoming disabled.
In this case, obtaining a personal accident insurance policy will be a wise decision. Victims or their families are provided with a lump sum amount as support under this policy.
- Cash Top-Up Insurance Policy
An innovative solution is Hospital Daily Cash, which provides a variety of health insurance policies. A person’s hospital expenses tend to change based on the condition he or she is suffering from once they’ve been hospitalized. It is in such a situation that Hospital Daily Cash is most beneficial for an individual. The individual receives a daily cash benefit of Rs. 500 to Rs. 10,000, as per the coverage amount selected at the time of insurance. Some plans also include convalescence benefits if the individual remains in the hospital for more than seven days.
- Individual Health Insurance Policy
Health insurance for individuals is designed for individuals on their own. Through this plan, an insured individual can be compensated for illness and medical expenses incurred. Typically, these types of insurance cover all hospitalizations, surgeries, and pre- and post-medication costs up to a certain amount of money. Medical history and age will be considered at the time of the Health Insurance plan.
- Mediclaim
The plan covers inpatient hospital costs, which include surgery costs, doctor’s fees, nurse’s fees, oxygen, and anesthetics. You can purchase Mediclaim Insurance in the form of a group policy, an individual policy, or medical insurance for overseas travel.
In order to keep up with the rising costs of medical care, many people purchase Health Insurance Policies for themselves and their families. There are a wide variety of health insurance products offered by ICICI Prulife in India, covering all kinds of ailments, conditions, and accidents.
