CreditMantri Finserve Private Limited
Door No.3, Block B, No. 147, Workeasy Space Solutions, RK Swamy Centre, Hansa Building, Pathari Road,Thousand Lights, Chennai, Tamil Nadu600006
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Insurance Plans Best Suited For You
Srinagar is covered by most of the leading Health Insurance providers in India.
Apollo Munich Health Insurance Company
HDFC ERGO myHealth Suraksha
Rs.3 Lakhs – Rs.50 Lakhs
Bajaj Allianz General Insurance Co Ltd
HDFC ERGO General Insurance Optima Restore
Bharti AXA General Insurance Co Ltd
Star Family Health Optima Plan
Rs.1 Lakh – Rs.25 Lakhs
Chola MS General Insurance Co Ltd
Care Health Care Plan
Rs.4 lakhs – Rs.6 crores
Future Generali India Insurance Company Ltd
United India UNI Criticare Health Plan
Rs.1 Lakh – Rs.10 Lakhs
HDFC ERGO General Insurance Co Ltd
Bajaj Allianz Individual Health Guard Plan
Rs.1.5 Lakhs – Rs.50 Lakhs
ICICI Lombard Health Insurance Co. Ltd
Chola Healthline Plan
Rs.2 Lakhs – Rs.25 Lakhs
IFFCO Tokio General Insurance Co Ltd
ManipalCigna Prohealth Plus
Rs.2.5 Lakhs – Rs.1 crore
Max Bupa Health Insurance Co Ltd
Aditya Birla Active Assure Diamond Plan
Min - 2 Lakh - Max - 2 Crore
Reliance General Insurance Co Ltd
SBI Arogya Premier Policy
Rs.10 Lakhs – Rs.30 Lakhs
Care Health Insurance Co Ltd
Digit Health Insurance Plan
SBI General Insurance Co Ltd
Future Generali Criticare Plan
Rs.5 Lakhs – Rs.50 Lakhs
Star Health and Allied Insurance Co Ltd
IFFCO TOKIO Health Protector Plus Plan
TATA AIG General Insurance Co Ltd
Royal Sundaram Supreme Policy
The New India Assurance Co Ltd
Universal Sompo Individual Health Plan
Up to Rs.10 Lakhs
Health Insurance is a legal agreement between the insurer and the insured where the insurer agrees to pay for the medical costs incurred by the insured, to undergo medical treatment at a hospital, subject to the terms and conditions of the health insurance policy.
A comprehensive health insurance policy covers a number of medical expenses relating to any treatment; cost of surgery, hospital room rent, pre and post hospitalization expenses, ambulance charges, surgeon and anaesthetist charges, nurses and operating room charges, medicines, surgical items, food for the patient, daily cash allowance during your hospital stay, and many more.
Health insurance also provides for domiciliary treatment or alternative treatment methods like homoeopathy or ayurvedic.
In recent times, as per IRDAI regulation, all health insurance policies are required to cover the costs incurred towards Corona treatment.
Also Read: 11 Essential Benefits Health Insurance Plans Must Cover
India has around 30 health insurance companies in India offering more than 100 health insurance plans. How will you shortlist the best health insurance company? Here are some simple points to keep in mind:
Now that you have chosen the best health insurance provider for you, which plan is the best for you and your family? Read more to understand how to find the best health insurance plan for you.
These days, health insurance plans are more customized. When it comes to health insurance, consumers have discovered that there is no such thing as a "one-size-fits-all" policy. As a result, health insurance providers have responded to shifting market demands and now provide a wide range of health insurance packages.
Health Insurance Policies in Srinagar are tailored to the needs of the client and the type of coverage desired. There are various types of health insurance plans;
Individual Health Insurance Policies
Individual health insurance can be purchased for yourself, your spouse, your children, and your parents. This sort of insurance covers hospitalization, surgery, room rent, childcare procedures, and other medical expenses associated with accidents and diseases.
Family Floater Health Insurance
Family Floater Health Insurance should be your first consideration if you want affordable health insurance coverage for everyone in your family. A single Sum Insured covers all family members enrolled in a Family Floater Health Insurance policy. A Family Floater Health Insurance Plan is less expensive than an Individual Health Insurance Plan. This policy can protect you, your spouse, your children, and your parents.
Group Health Insurance
A Group Health Insurance plan is intended for a specific group of people. Whether you own a small or large firm, you can arrange such plans for your employees. It is a type of benefit that most firms offer to their employees. It helps employees obtain basic health insurance for themselves and their families.
Senior Citizens Health Insurance
As the name implies, this policy is only for older citizens. It is only applicable to those over the age of 60. It allows the consumer to cover their elderly parents and grandparents who require high-quality medical care.
Maternity Health Insurance
Maternity health insurance is highly popular these days. Though it was previously only available as a rider on conventional health insurance policies, several insurers are now marketing it as a stand-alone policy to appeal to first-time parents seeking the best pregnancy experience possible. All costs associated with pregnancy, birth, and aftercare are covered. It covers births (including medically necessary terminations), infertility treatments, and newborn infant coverage for the first 90 days.
Critical Illness Insurance
Diseases linked to one's way of life are becoming more common. With this in mind, insurance firms developed the Critical Illness Policy.
This health plan, designed primarily for middle-class families, covers conditions such as:
Top-Up Health Insurance
If you require more coverage than your existing health insurance policy provides, you can purchase top-up insurance. However, such plans feature a "Deductible Clause." In the event of a claim, payment will be given in excess of the maximum limit of the policy. This plan may be right for you if you desire more coverage than your normal health insurance policy provides.
Additional Read: Top 6 Insurance Changes In India Due To The Covid 19 Pandemic
Conclusion: A health insurance policy must be an important part of your family financial planning. It saves you from much distress during any medical exigency. With the current Corona pandemic and rising medical costs, a good health insurance policy will provide you with the right financial assistance at the right time.
1. What is the cashless facility under health insurance?
A cashless health insurance policy allows a policyholder to receive treatment at any of the network hospitals without having to pay the hospital bills, as the payment is made directly to the hospital on behalf of the insurance company by the Third Party Administrator. Any charges that exceed or fall outside the scope of the insurance policy's limits or sub-limits, or that are not covered by the policy, must be paid directly to the hospital.
2. What factors influence the cost of health insurance?
Premiums are determined in part by age; the older you are, the higher your premium will be because you are more susceptible to illnesses. Previous medical history is another essential factor in deciding the premium. The premium will be automatically decreased if there is no prior medical history. Claim-free years can also affect the cost of your premium because you may be eligible for a percentage discount. This will automatically help you save money on your insurance price.
3. What is the maximum number of claims allowed in a year?
Unless a specific cap is specified in any policy, any number of claims are permitted during the policy period. The sum covered, on the other hand, is the policy's maximum limit.
4. Is Coronavirus covered by your existing health insurance policy?
General and health insurance companies must now include coronavirus coverage in their existing plans, according to the Insurance Regulatory and Development Authority of India (IRDAI). The IRDAI issued a circular mandating health insurance companies to include medical coverage for Covid -19, regardless of the health insurance policy a consumer owns.
5. Are daycare procedures covered in my health insurance?
Yes, in recent times, health insurance policies are covering daycare treatments that do not require hospitalization.
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