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Insurance Plans Best Suited For You
Hyderabad is the capital city of Telangana. It is one of the most populous cities in the country and a metro city. The city is also home to leading multinationals that make it an attractive investment hub. The rich culture of the city also makes it an attractive tourist attraction bringing in tourists from all over the world.
The health insurance plans in Hyderabad are available for every citizen and their family members at reasonable premiums. These premiums can be paid flexibly as per the convenience of the insured persons and the agreement between them and the insurer. Many insurers also allow top-up of existing health insurance policy at varying premiums depending on the needs of the insured persons.
Although health insurance is available easily in Hyderabad, the number of persons actually having a good health insurance plan for themselves and their family members is quite low. This exposure has to be systematically increased to ensure that maximum citizens of Hyderabad can get the benefits of a good health insurance cover.
Given below are various details of a good health insurance plan in Hyderabad and other relevant details regarding the same.
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Health insurance plans can now be easily available as compared to a few years back. The awareness regarding the importance of health insurance plans still has a long way to go. An individual can easily get a good health insurance plan from any reputed insurer through their website or by visiting their nearest office or branch.
Some basic steps to get good health insurance plans are mentioned below,
The online mode of getting a health insurance plan is by visiting the website of the insurer or simply requesting a callback from the customer care of the insurer. The offline mode of getting a good health insurance plan is by visiting the nearest office of the insurer and getting the plan thereby selecting it, providing the necessary documents and then making the payment for the same at that office.
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Health Insurance plans can provide a buffer for individuals against any unforeseen medical emergencies. These policies can be taken by any individual for themselves as well as for their family members. The applicable eligibility criteria for such individuals are mentioned below,
Most health insurance providers sanction the health insurance plan to any individual within the age group of 18 years to 65 years (70 years in case of some insurers) provided they meet the other parameters set by the insurer. Insurers also extend the health insurance cover to newborn infants. The waiting period for such cover is 90 days from the birth of their child.
Health insurance plans can also be available for the entire organization. These plans are known as group health insurance plans. An employee can be part of the group health insurance plans simply by being in the employment of the employer providing such group plans. The premium for such a group health insurance plan is deducted from the salary of the employee on regular basis.
Pre-existing medical conditions
Insurers have a list of pre-existing medical conditions which are not covered under the health insurance plan. The insured person cannot claim any benefit of the health insurance plan for the treatment of these listed medical conditions. Hence these form an essential criterion for determining eligibility.
Most insurers require the applicants to undergo a medical test to determine if they are eligible for the health insurance plan. It involves basic screening to check the health parameters of the applicant and it also helps in premium determination.
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1. What are the factors that may influence the premium on health insurance?
A. Some of the factors that influence the premium to be paid by the insured person on the health insurance plans taken are
2. What are the seven types of health insurance policies in India?
A. The seven types of health insurance policies in India are mentioned below,
3. Can a person convert group health insurance into an individual health insurance plan?
A. Yes, a person can convert a group health insurance into an individual health insurance policy after leaving the employment of the organization provided it is permitted by the insurer and agreed by the employee.
4. What are the steps to be taken in comparing two health insurance policies?
A. Some of the common steps while comparing two health insurance plans are mentioned below,
5. Is smoking a concern for getting a health insurance plan?
A. Yes. Smoking increases the risk of getting serious medical conditions for any individual. Hence if the applicant is a smoker or an alcoholic, they may still be approved for health insurance but the pre-medical tests and other eligibility criteria set by the insurer will be quite stringent. The premium to be paid may also be higher.
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