Risk: Sudden illness of any member of the family!
Probable loss: increases financial burden on the bread earner. Family may have to borrow money to pay for hospital expenses.
Why health insurance?» Rising medical costs/inflation
» Rising number of accidents
» Severity of diseases
» Uncertain hospitalization
What does it cover?» It covers in-patient treatment
» Room accommodation, surgical operations, nursing care, etc.
» Pre & post hospitalization expenses
» Day care procedures
» Maternity & child care benefits
» Emergency ambulance expenses (surface only)
» Organ donor expenses
» Free health check ups
Types of health insurance policies» Individual policy
» Family floater policy
» Extender family floater policy
Exclusions» Initial waiting period – 30 days
» Specific waiting period – 1st and 2nd year diseases/treatments like cataract/hernia etc;
» Pre-existing diseases – for 4 continuous policy years
To get a Health Insurance quote make appointment now.