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Insurance Plans Best Suited For You
Meerut is an important city in the state of Uttar Pradesh. This city has close proximity with the national capital of the country and is part of the National Capital Region (NCR). The city is also known to be the educational centre in the state and also as the ‘Sports City of the Country’. The city has great historical importance in the Independence struggle of the country for being the starting point of the 1857 uprising.
Health insurance is an essential part of every person investment portfolio but not many in the city realize the need and the benefit of the same. Health insurance allows the insured person and the family members to get the benefit of timely hospitalization and required medical attention in the time of emergency or for any planned procedure.
Additional Reading: What-is-group-insurance-policy
Having a health insurance plan will allow a person and their family members to get access to prompt medical attention in time of emergencies or for any pre-approved medical conditions. A health insurance plan can act as a buffer against any unforeseen medical circumstances. Some of the benefits of getting health insurance are mentioned below.
Cashless medical treatment
One of the foremost benefits of having health insurance is having a benefit of cashless treatment at the network of hospitals that are associated with the insurer.
Coverage for preventive health check-ups
The benefit of having health insurance also allows the insured person (and their family members included in the plan) to have access to preventive health check-ups. These help in reducing the possibility of any serious medical conditions.
Tax benefit on health insurance policy
Tax benefits are another important benefit of having a health insurance policy. This benefit allows the insured person to claim a deduction on the premium paid for the health insurance. The maximum benefit of the tax deduction for persons below the age of 60 years is Rs. 25,000 and for persons above the age of 60 years is Rs. 50,000. The maximum benefit if the insured person and their family members are above the age of 60 years is Rs. 1,00,000.
Coverage for Covid 19 treatment
The recent pandemic has had an effect on every person in the country. IRDAI has extended the health insurance cover for the treatment of Covid 19. There are some policies that provide Covid specific health insurance policies as well.
Coverage for the cost of ambulance
Health insurance plans also help in covering the cost of the ambulance when the insured person or their family members are admitted in case of any emergencies or for any planned procedures.
Coverage of pre and post hospitalization expenses
Any standard health insurance plan will cover the pre and post-hospitalization costs of the insured person and their family members.
Coverage for approved pre-existing conditions
Insurers have a list of pre-existing medical conditions that are covered under the health insurance plan. Such plans allow the insured persons to be treated for the approved conditions without any delay or unnecessary hassles.
Provision of daily hospital cash
Health insurances also provide the benefit of daily hospital cash where the insured person is provided with a fixed amount of cash for each day that the person is admitted to the hospital. This cash can be used to meet the additional expenses that may not be covered under the health insurance plan.
The benefit of coverage for AYUSH treatment
IRDAI also allows the health insurance policies to cover the cost of AYUSH treatment. This treatment includes the following forms of treatment,
The benefit of No Claim Bonus
Many insurers also provide the benefit of no claim bonus. This is an additional sum paid to the insured person if there is no claim for treatment made in the previous year.
Additional Reading: Unhappy-with-your-health-insurance?Here’s what you can do.
There are several factors that need to be considered while taking a health insurance plan. Some of such factors are considered below.
There are multiple health insurance provides in our country that can provide excellent health insurance plans for the residents of Meerut. This raises the need to compare these plans to get the best health insurance plan for the residents of the city and their family members.
Following are some of the benefits of comparing health insurance plans.
Additional Reading: What is medical insurance?
1. What is Arogya Sanjeevani Policy?
A. Arogya Sanjeevani Policy is a standard health insurance policy that is provided by all the insurers in our country. It aims to provide a basic health insurance cover to all the citizens especially those who do not have access to good health insurance plans.
2. Can a person buy a health insurance policy for their senior citizen parents?
A. Yes. A person can buy a health insurance policy for their senior citizen parents provided they meet the eligibility criteria of the insurer.
3. What are the factors that affect the amount of premium to be paid?
A. The factors that affect the amount of premium to be paid are,
4. What is a group health insurance policy?
A. A Group health insurance policy is the health insurance policy taken by an employer for their employees.
5. Can the premium be paid in flexible payment options?
A. Yes. Premium on health insurance can be paid either annually, monthly, semi-annually, or quarterly as per the agreement between the insurer and the insured person.
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