[Guide] Buying Health Insurance

[Guide] Buying Health Insurance

147°
640 batman arkham knight l
Deal Subedar
959
2123
32
Review Checklist before Buying Health Insurance
  1. Buy a health insurance plan based on Goal
  2. What kind of health insurance plan you want?
  3. Track record of claim settlement of insurance companies
  4. Network of empanelled hospitals
  5. Outlay of the insured
  6. Health Insurance Plan Coverage
  7. Cashless facility
  8. Waiting period for Pre-existing diseases
Recommendations:

1) Religare Health Insurance – Care Plan

Entry age – 91 days – no upper age limit.
Minimum SA – 5 Lakhs
Maximum SA – 40 lakh.
Waiting period – 4 years for pre-existing conditions
Sum insured would be restated if exhausted during the year.
Free health check-ups every year for all members of the family.
No claim bonus to increase 10% sum insured every year (up to 50% in 5 years)
Co-payment of 20% if the insured person is more than 61 years of age.

2) Apollo Munich Optima Restore Family Plan

Entry age – 91 days – 65 years.
Minimum SA – 3 Lakhs
Maximum SA – 50 lakh.
Waiting period – 3 years for pre-existing conditions
Sum insured would be restated if exhausted during the year.
Free health check-ups every year for all members of the family.
No claim bonus up to 100%
Pre hospitalization – 60 days before hospitalization.
Post hospitalization – up to 180 days.
No co-payment for any claim to be made.
No sub-limits on room rents.

3) Max Bupa Health Companion

Entry age – 91 days – no upper age limit.
Minimum SA – 3 Lakhs
Maximum SA – 1Cr
Pre hospitalization – 30 days before hospitalization.
Post hospitalization – up to 60 days.
Waiting period – 4 years/3 years for pre-existing conditions
Co-payment of 20% if the insured person is more than 61 years of age.
No co-payment for any claim to be made.
No sub-limits on room rents.

4) Star Family Optima

Entry age – 16 days – 65 years.
Minimum SA – 3 Lakhs
Maximum SA – 25 lakh.
Waiting period – 4 years for pre-existing conditions
Pre hospitalization – 60 days before hospitalization.
Post hospitalization – up to 90 days.
No co-payment for age below 60
20% co-payment for age above 60
Sub-limit for room rent – upto Rs 5,000 per day

4 Comments  |  
3 Dimers
Pikachu
Deal Subedar
87
1054
42

Choose the ones which had tie up with your MNC companies, as they have zero waiting period.
Or with banks, they have lesser waiting period.

640 batman arkham knight l
Deal Subedar
959
2123
32

Advantages of health insurance from employer

1. No Medical Checkups required
2. Maternity cover from Day 1
3. No Waiting period Concept
4. More Cost Effective because its a group cover

640 batman arkham knight l
Deal Subedar
959
2123
32

Things to do AFTER you buy Health Insurance
1. Keep Health Cards in your Wallet and scanned version in Mobile
2. Keep emergency contacts on phone
3. Keep a “emergency folder” for health insurance
4. Visit nearby hospitals and research

Missing
Deal Cadet
160
614
12
BAT_MAN wrote:

Advantages of health insurance from employer

1. No Medical Checkups required
2. Maternity cover from Day 1
3. No Waiting period Concept
4. More Cost Effective because its a group cover

Maternity cover for all above plans u posted?

Missing