Health insurance buying tips, best health insurance for you.

Health is a very important aspect of life. The life without health has no complete meaning to it. As someone has said “Health is wealth “, it is indeed true. Though it is of great importance to every living human, Health is quite unpredictable. The person may look fit and fine but it won’t stay like that forever. One time or other bad health bothers everyone. Bad health brings a lot of bad fortune, like financial crisis for someone from middle class who works real hard to meet his/her family ends. Bad health may lead to unthinkable amount of debt. So now question arises.. How do we escape such crisis?….Can we avoid bad health?. The answer is no.. You can’t avoid any disease or bad health but you can take some measure to lower the loss caused by health. One such measure is Health Insurance. There are lots of trustworthy companies that provide you the reasonable health insurance plans.

Why need health Insurance?

Health insurance is a financial safeguard which covers all the medical expenses, hospitalization bills, hospital room rent and etc. Since covid 19 took over the world, we have that fear somewhere in our head. Unforseen health emergencies drain your savings, they cost you a fortune. To tackle this crisis we have to lean towards Health insurance policies. It is a vital task which everyone has to do to protect their loved ones.There are lots of companies that provide health insurance plans. You can choose according to your needs.


Best Health Insurance Companies in India

1. Aditya Birla insurance Co.Limited

Aditya Birla health insurance co Ltd is owned by the Aditya Birla capitals. It is a joint venture of Aditya Birla groups and MMI holdings of South Africa. As for the year 2022 the Aditya Birla health insurance Co. Ltd has covered upto 16 million lives, employing upto 50000+ direct selling agents.

The company divides the Health Insurance plan into three categories :

a. Essential

This plan covers 586 day care procedures. Cumulative bonus 10% every year up to 100% of SI, max upto 50LTax benefits under section 80D**.Chronic Management Program for helping you manage chronic conditions such as Asthma, Diabetes, High Cholesterol, High Blood PressureCovers Treatment Expenses for Obesity and AYUSH related treatments.

b. Enhanced

Sum insured up to 2 croresPre and post hospitalization cover up to 60 & 180 days respectivelyRoad ambulance cover on actuals in network hospitals and up to Rs.5000 per hospitalization in non-network hospitals. Covers modern treatment methods for listed procedures.

c. Premiere

Sum insured up to 2 crores. Post-hospitalization Physiotherapy cover. Pre and post hospitalization cover up to 60 days & 180 days respectively. Cover for Dental Consultation & Investigations Covers modern treatment methods for listed procedures.

2. HDFC ergo health insurance.

HDFC ergo health insurance provides you with large network of hospitals across India. It comes with several benefits like easier to compare plans, online discount, lower premiums, minimal paperwork and digital payment options which is time saving. You can save up to ₹1 lac tax by buying HDFC ergo health insurance plans. There are numerous plans provided. For detailed feature of each plan visit the official HDFC health insurance policy website.

3. Niva Bupa Health Insurance company Ltd.

Max bupa health insurance company whose name has recently changed to Niva bupa Health Insurance company limited. It is a joint venture between Fettle Tone LLP (an affiliate of True North Fund VI LLP), a leading Indian private equity firm, and the UK based healthcare services expert, Bupa Singapore Holdings Pte. Limited. Niva bupa health insurance company is active across 190 countries globally with 29 million happy customers around the world.Niva bupa Health insurance policy provides wide variety of plans such as Individual Health insurance plan, Family Health insurance plan, critical illness insurance plan and personal accident Insurance plan

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