helpful tips to choose different types of health insurance plans in india

Owing to changing lifestyles, health issues have not just escalated, they have increasingly become more complex in nature and with the increasing cost of healthcare in India, buying a health insurance policy has become almost mandatory for everyone. As, nowadays everyone is busy in their day-to-day life and typically, they don’t have time to look after their health concerns.
Health Insurance plans covers the expenses that may arise due to any unforeseen hospitalization or medical procedures. It covers all the medical expenses for illnesses, injuries and other medical conditions. In general, a mediclaim policy offers a financial guard against financial drainage on several diseases. For investing in the mediclaim policies, visit https://www.applykaroo.com/insurances.

Different types of health insurance plans

 In today’s age of options, people have different choices when it comes to investing in a health insurance. As, there are various plans available in India to include every aspect of a medical emergency. Some of which are explained below-

• Individual health insurance policy

This type of insurance plan provides coverage to an individual against certain illnesses and offers a wide range of advantages such as cashless hospitalization, reimbursement, pre-hospitalization and post-discharge expenses and various add-ons. The entire sum assured is also available for only one individual (policyholder).

• Family floater plan

Family health plan is plan which serves the coverage to you as well as your family members under the umbrella of a single health cover. It offers a fixed sum assured to the family members, which can be availed either by one or all the members of a family for one or more claims during the tenure of the plan. 

• Maternity health plan

These health insurance plans are specific just to pregnancy. It includes both pre-natal as well as post-natal care, child delivery (normal or caesarean), and sometimes include vaccination of newborn babies and all the medical costs that are incurred during pregnancy. This plan also covers the newborn baby up to the validity of the policy. 

• Senior citizen health insurance plan 

Senior Citizen health insurance is especially designed for those who are above 60 years. These health plans offers protection from health issues during old age and covers all kinds of medical expenses of senior citizens.

• Surgery and critical illness insurance plan 

This plan is a standalone policy or as a rider for the treatment or guards you against the financial expenses of various critical illnesses, such as kidney failure, paralysis, cancer, heart attack etc. Most of the critical illness insurance policies provide a lump-sum benefit if the insured is diagnosed with one or more of the specified terminal conditions.