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What is health insurance and why do you need one?

As modern medicine in India advances, so does the cost of medical treatment. This is driven by the corporate norm of 24/7 work hours which has by default resulted in an unhealthy lifestyle of individuals. Constant stress, anxiety, sickness, accidents and the bucket list for a ticket to the hospital is fully checked and met with. So, what can you do in such a situation? Get a health insurance! The primary purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. If you have health insurance, you will have peace of mind in knowing that you are protected from most of these costs.

Recent case studies have also shown that on an average, a person is more likely to have regular health check-ups and care when they need it since they have already paid for it and given a chance would like to utilise it completely.

Now that we have highlighted the importance of having a health insurance, let us read forward to know more about why choosing the right policy should be a priority.

Types of Health Insurance

There are two main types of health insurance that an individual can apply for (the rest being variants of these two) - first is the ‘Individual Health Insurance’ for a person and second is a ‘Floater Policy’ for all the members of a family. One of the most trusted and preferred health insurance brands in India is Apollo Munich Health Insurance. The policies offered by Apollo Munich is to safeguard you against medical expenses and provide preventive healthcare treatments during times of dire need. With over 50 branch offices across the country, their products are well designed to suit you and your family’s medical requirements.

Plans for Individuals by Apollo Munich

Health Wallet: It comes with a unique feature called ‘Reserve Belt Benefit’ which can be used for Outpatient Expenses (OPD), non-payable items or to pay upto 50% of your renewal premium and if there has been any unutilised balance, it will be carried forward to the next year with a 6% bonus. This policy covers individuals between the age group of 91 days to 65 years with a sum insured amount ranging from Rs. 3 to 50 lacs.

Apollo Munich Optima Restore: A health plan that comes with three super benefits - Restore, Multiplier and Stay Active.

• Restore’ is a super benefit which instantly adds 100% of the sum insured if you partially or fully utilize your policy sum insured
• Multiplier Benefit’ gives you a 100% increase in sum insured after 2 claim free years
• Stay Active’ benefit rewards customers who lead an active lifestyle, it allows the policyholder to enjoy discounts simply by walking

The policy covers individuals between the age group of 5 to 65 years with a sum insured amount ranging from Rs. 3 to 50 lacs.

Dengue Care Plan: A customised plan dedicated to cover all expenses for both, inpatient and outpatient treatments, that an individual might have to incur as a result of being diagnosed with dengue fever. An important benefit for eligibility is that an applicant does not need to undergo any pre-medical check-ups when purchasing this plan. It has the same premium across the policy term and covers individuals between the age group of 91 days to 65 years.

Family Plan by Apollo Munich Insurance

Easy Health Family Plan: As the name suggests, it is meant for the entire family. This plan offers coverage on a floater sum insured basis. (In comparison to individual cover policies, a family floater policy offers a relatively lower premium, which depends on the age of the eldest family member insured under the plan)

It is available in three variants - Premium, Exclusive and Standard where the sum insured for the former two is Rs. 50 lacs while the latter is Rs. 15 lacs covering the age group between 5 to 65 years.

Additional benefits include insurance cover for an infant only after 3 months from the date of birth and insurance for listed critical illnesses such as cancer, coronary artery (bypass) surgery, first heart attack (myocardial infarction), kidney failure (end-stage renal disease), major organ transplantation, multiple sclerosis, paralysis and stroke. The sum insured for Critical Illness can be either 50% or 100% of your basic sum insured subject to minimum of Rs. 1 lac.

To know more about the best health insurance plan for you and your family simply visit Coverfox.com.

Hi this is Somesh from Mumbai. I am working with the one of the leading online insurance broking firm as a customer relationship manager. I like to discuss with customer to solve their problem and queries. More Peoples still unaware about insurance