Types of health insurance-
• Individual Health Insurance-
This plan is made for a single individual. Under this insurance, premium is based on your age, health and medical history.
• Family Floater Health Insurance-
A family floater health insurance policy is meant for you and your family. You can cover the medical expenses of your whole family under a single policy. Under this policy, premiums are comparatively lower than individual health premiums.
• Senior Citizens Health Insurance-
Senior citizens health insurance plans are designed to cover the healthcare expenses of elderly people above 60 years. It focuses on the health needs of senior citizens and may not require a pre-medical screening before buying the policy.
• Group Health Insurance-
This policy is usually offered by employers to their employees. It provides health coverage to a group of people under a single plan. The premium is generally lower and is either paid fully by the employer or shared between employer and employee.
• Critical Illness Insurance-
Critical illness insurance covers life-threatening diseases like cancer, heart attack, stroke, etc. Upon diagnosis of a listed critical illness, a lump sum amount is paid to the insured, regardless of actual hospital bills.
• Top-Up Health Insurance-
This plan acts as an additional coverage over your existing health insurance. It comes into effect only after the insured has exhausted a predefined threshold limit known as the deductible.
• Maternity Health Insurance-
Maternity insurance is designed to cover expenses related to childbirth, both normal and C-section deliveries. It may also include pre- and post-natal expenses and newborn baby cover for a specific period.
• Personal Accident Insurance-
This policy provides financial support in case of accidental death, permanent or partial disability, or injury. It helps manage expenses related to loss of income or treatment due to accidents.
• Disease-Specific Insurance-
This type of policy offers coverage for a specific illness such as diabetes, cancer, or cardiac conditions. It is tailored to meet the needs of patients with such conditions and includes regular treatments and follow-ups.