Medical Coverage Plans: The Best Protection Ever

Every person who falls sick wants to get treated at the earliest. Nobody wants to live with health issues, as they hinder lifestyle of a person in several ways. However, many people decide to live with certain health problems for the whole of their life, as they cannot afford medical care expenses for the treatment of the same and at the same time, are not aware of medical coverage plans that could help them in paying off medical expenses.

Medical insurance plans are designed to help people in paying off medical bills without any financial issues. These products maintain the balance between the quality healthcare and the wallet and thus, make medical treatment both affordable and accessible. An insurer reimburses medical bill or pays for an insured’s treatment for the covered peril in case of medical emergency. Thus, an insured need not have to worry on financial grounds, when it comes to seeking quality medical treatment.

Medical insurance policies are formulated by health insurance providers to provide comprehensive coverage to people. There plans basically offer cover to inpatient treatments while there are few comprehensive policies that offer all-inclusive benefits. These plans are designed to offer coverage to both inpatient and outpatient treatments. They offer cover all kinds of medical treatments—inpatient, outpatient, day-care, etc. A person should understand the working of these plans to avoid the related confusion.

Besides offering coverage to medical needs, these plans also offer tax benefit to an insured under section 80 D of the Income Tax Act. However, it should not be the only reason for investing in these products. People should be made aware that it is must for them to go through the policy terms and conditions well before investing in the same.

A person buying health insurance should know about both covered and uncovered perils. Hence, it is advisable to read ‘Exclusion’ section properly. In medical coverage plans there are exclusions which should clearly be understood by customers. At the same time customers should use the plan whenever needed and not just save it for a worse time.

Apollo Munich has designed plans to offer coverage to them at different situation of life. There are pure health insurance products, accident insurance products and travel insurance products brought in by it. One can choose the plan that fulfills his/her health needs.

Pure health insurance products offer coverage to an individual if he or she falls sick or need medical treatment, because of any other reason. Accident insurance plans offer coverage to a person in an event of an accident. These plans also offer coverage to death or disablement of an insured, caused due to an accident. Travel insurance plans are designed to make medical treatment easy, even if an insured travels abroad. These plans help a person in seeking quality medical treatment on foreign land, if required.  Thus, a person gets coverage at different situations of life.

Apollo Munich has designed a variety of plan that offers coverage to their customers, as per their terms and conditions.  One should look into his or her health care needs and should buy the best plan that could be most useful. 

Health Insurance: Alleviates financial burden

HealthInsurance cannot recompense the feelings of a person when he/she experiences any health related difficulty. A health insurance policy is chiefly meant for medical crisis and times when medical treatment is vital.  In today's world, where everything comes with a price, one needs the mental security of knowing that whenever they face a problem, someone is by their side to help them out. Health Insurance cannot compensate the feelings of a person when he/she undergoes any health related problem. However, it can reduce the mental stress they go through while paying for the treatment and give them the satisfaction of getting the best quality treatment to restore better health.

Medical Insurance India

 

In times of crisis, one always needs to have a worthwhile friend by their side, who can share some of their burden. When you or a member of your family falls ill, and needs to undergo medical treatment, there are a lot of factors that need to be considered. At such times, a health insurance policy can make your life a lot less complicated as far as medical expenses are concerned. These plans are designed to offer peace to an insured’s mind he or she would be able to seek quality medical treatment without any financial problem.

The main aim of an insurance policy is to help a person when he or she is forced to face any unexpected adversities. A health insurance policy is particularly meant for medical emergencies and times when medical treatment is required. One cannot always plan each and every event in life.

Imagine having to undergo a major surgery or treatment. Most Indians choose the hospital or doctor that charges the least for the procedure, just to make sure that do not over spend. However, there should be no compromise as far as healthcare goes. This is why a health insurance policy is necessary for one and all—right from a small child to a senior citizen.

Apollo Munich Health Insurance Plans are designed keeping in mind the changing trends and lifestyles. Each plan incorporates the medical needs of the individual or family, as the case may be. At the same time it also ensures financially security to them in times of medical exigencies. Along with all the mental and monetary satisfaction provided by these plans, it also gives the policyholder tax benefits under section 80 (D). Thus, an insured can enjoy life to a greater extent under the canopy of these products.

The products brought by Apollo Munich are well thought and designed to offer coverage to health needs of the Indian citizens. At one end, there is ‘Maxima’ plan that offers comprehensive cover to an insured while at the other end, there is ‘Insure Health’ plan that offers cover to people looking for an economic health insurance plan. There are many other plans that are designed, keeping health needs of all sections of society. 

Whatever plan a person buys, he or she should keep in mind that it is must to buy these plans. So, buy health insurance today and have a secured tomorrow.

Medical Health Coverage

Buy Comprehensive Medical Health Coverage and Takes away the Burden of Medical Expenses

When people fall ill, they need money to pay for treatments. However, the cost of treatment is not easily affordable by one and all. This cost should be left to a health insurance policy to take care off. However, since many people have had bad experiences while dealing with insurance providers, the confidence in Medical Health Coverage has gone down. 

If people were to stop for a second and think they would realize why health insurance companies ‘cheat’ them. These providers make policy rules and regulations. Later at the time of usage they face problems and put the blame on the company.Customers do not read these thoroughly and then go ahead and claim for something that may have been clearly mentioned in the exclusions list. The problem is that customers are not at all careful when buying a policy. Most people simply invest in a Medical Health Coverage because they want the tax benefits that go alongside. Thereafter when trying to use the plan they find that most of the problems they would undergo are in the exclusions list. 

This is why it is important to read the policy before buying it. All the inclusions and exclusions in the plan should be clearly understood so that there is no confusion later on. For example, if a policy states that the inpatient treatment covers the cost of ICU and Operation Theater, then it covers the same for all ailments except those in the exclusions list. Understanding Medical Health Coverage is simple. One only needs to have a little bit of patience while doing the same. 

If people find it difficult to understand the policy wordings, then they should ask either the broker or the agent to explain details to them. 

Working in direction of its tag lines, ‘Let’s take the fear out of faces, the jargon out of word, the bitter out of medicines, the confusion out of claims and the trouble out of treatment’, the company has striven to state every clause of  coverage in its policy wording. At the same time, all its sale associates are well trained to explain the coverage to customers in order to avoid confusions and misunderstandings.  

Apollo Munich offers comprehensive insurance plans that are designed to give customer access to the best possible medical treatments. Their policy wordings are written in very simple language. As a result three of its products were rated as 5-star products in one of the recent surveys conducted by the Economic Times on health insurance products. Apollo Munich offers wide coverage at cost-effective price, which make it products liked by majority of people in India. Besides it, the company assures of delivering the best services and facilities to their customers and helping them at the earliest in times of need. 

Apollo Munich has tied up with more than 4000 hospitals in the country to ensure that their customers get treatment without any hassle. The company has also included many such features that make medical treatment easy and also offer them reasons to smile and live better lives. 

The only point that people should ponder over is to make a right choice, as many people are deprived of the coverage at the last hour just because of the wrong selection.

Think before You Buy a Medical health Insurance Policy

Money is must for survival of a human being.  There is no life without money. One cannot live a good life, if he or she does not have much of it. A person realizes the importance of money, when it is required the most. Though money is required in every area, but when it comes to quality medical treatment, it becomes difficult to pay.

When a person needs medical treatment, there are many facets to the same. The most important aspect is that of the cost of healthcare and treatment. There are many times in an individual’s life when he/she falls prey to certain illnesses. At such times, due to the expensive nature of medical care, people tend to stay away. However, people do not need realize that a delay in healthcare could lead to more complex problems. A small problem like that of a pain in the stomach could actually be an indication of something far worse—stone in the kidney or gall bladder, or appendicitis, etc. However, most people do not realize the importance of the same and therefore neglect healthcare until it is extremely needed. People then wake up to the importance of a medical health insurance policy.

The cost of a medical health insurance policy, regardless of how much it’s actual worth, is much cheaper than the cost of healthcare. A low cost health insurance does not necessarily mean that the policy offers inferior coverage. However, it does mean that the individual does not have to pay for his/her own healthcare. The insurance provider would pay for the same. However, one should again not go to the extreme that they purchase any low cost health insurance policy. It is important to understand the aspects that one is covered for in an insurance plan.

All medical health insurance policies are meant to protect individuals from financial strain at the time of health risks. However, the benefits alongside each plan are different. It is better to buy an insurance policy that is slightly more expensive but with more benefits than a low cost health insurance with few benefits. Therefore it is important to understand the benefits first and then buy the plan. There are medical health insurance policies from Apollo Munich which offer extensive coverage. The plan details are available on their website.

Easy Health is the pure health insurance product that offers complete coverage to its customers. The plan is designed to offer coverage to all sections of society.  This plan offers coverage to inpatient treatment expenses, pre- and post-hospitalization expenses, day-care procedures, domiciliary treatment, health check-up, etc.

Easy Health plan is available in three variants—Standard, Exclusive and Premium, giving an individual an option to choose cover amount from the range of Rs.1 Lac to Rs.10 Lac, as per an individual’s need. The plan pays in-patient treatment and is designed to cover boarding and lodging, anaesthesia, diagnostic procedure, surgical appliance, intensive care unit, operation theatre, cost of prosthetic and other equipments and devices (if implanted internally during surgical operation), medical practitioner charges, drugs, and other medical procedures as per the policy terms and conditions. One can also seek coverage for maternity expenses and critical illness on payment of additional premium. In case of maternity coverage, an insured gets lump sum money in an event of child’s birth. Critical Illness cover offer cover to eight enlisted critical illnesses, which are cancer, stroke, first heart attack, coronary artery surgery, paralysis, multiple sclerosis, renal failure and major organ transplantation.

Get yourself a Family Medical Insurance Policy

When planning the family budget, one can hardly ever tell the amount of money that has to be kept aside for emergencies. There are many people who have the inclination to stay a health life, but simply do not have the financial means of doing so. The amount that is kept aside, every month and every year, is huge. The same could have been used by the family for several other things in life. This means that individuals need to get a Medical Insurance Policy to keep themselves safe from any kind of medical problems.

As soon as the problem occurs, one can simply visit the hospital and use the insurance amount to pay for the same. People can then get the treatment that is needed without bothering about the cost. A Medical Insurance Policy also ensures that the family budget is used for enjoying some of the best treats of life. The premium of a mediclaim plan needs to be paid just once a year and thereafter the plan can be renewed on a yearly basis.

It is important that the individual takes care that the family has adequate health coverage. Since the problems faced by the elders would be different than those faced by youngsters, the plan bought should be such that any problem faced should be addressed easily. There are insurance plans in which hereditary and pre-existing diseases are covered only after a certain waiting period. People avoid buying plans due to this reason. However, the wise thing to do would have been to pass the waiting period and then get the Medical Insurance Policy to cover all the medical problems likely.  Companies like Apollo Munich offer medical insurance plans that are designed to enable customers to get the best healthcare without facing financial problems. The plans designed by them provide preventive and curative healthcare coverage.

Easy Health Family is a family floater policy that offers cover to a policy holder, spouse, dependent kids and dependent parents, subject to the condition that there are maximum 2 adults and 4 kids covered under the same.

Easy Health Family plan offers wide cover at cost-effective price. The plan is available in three variants—Standard, Exclusive and Premium, each differing from each other with regard to coverage limits. It is a pure health insurance product that offers cover to inpatient treatment expenses, pre- and post-hospitalization expenses, day-care procedures, domiciliary treatment, health check-up, etc. One of the remarkable benefits of this policy is that there is a facility of lifelong renewal that allows an insured to enjoy the cover for the entire life.

Easy Health gives a person an option to choose cover amount from the range of Rs.1 Lac to Rs.10 Lac, as per a family’s need. The plan offer additional coverage to maternity expenses. A person buying Exclusive or Premium variant can opt for this coverage, which entitles a policy holder a certain sum of money, in an event of child birth.

There is also an additional coverage for eight enlisted critical illnesses with this plan. The diseases for which coverage is offered are Cancer, First Heart Attack, Stroke, Paralysis, Renal Failure, Coronary Artery Surgery, Major Organ Transplantation and Multiple Sclerosis. It is advisable to opt for this coverage, as one gets double protection and a peace of mind, which is most valuable.

So, one can now enjoy wide coverage at affordable price with Easy Health Insurance Plan.