Dear
,
Your last search criteria was saved with Reference ID :
Please
click here
to continue.
Click Quote No:
to view your saved quotation.
Health Insurance Simplified
We wish that you and your loved ones always stay in good health. That may not always
be so due to many uncontrollable reasons. Health Insurance or Medical Insurance
or Mediclaim policies provide you and your family with financial protection and
cover against rising cost of healthcare. Financial protection can come in the form
of cashless health services from health care providers or claim settlements via
cash reimbursements when money gets spent outside of the health care provider network.
Why Buy Health Insurance
Medical inflation has been on the rise for some years and is projected to be so
for many coming years. The so called small medical procedures are not small anymore
from an expense perspective. Having Health insurance saves money by covering for
required medical expenses in case of an injury or a sickness. Without a Health insurance,
managing an accident situation or for that matter medical need of an immediate family
member will be very challenging. All are recommended to have Health insurance policy
in India as it is not only affordable, but also provides the required peace of mind.
The term ‘Health Insurance’ relates to a type of insurance that essentially covers
your medical expenses. A health insurance policy in India like other policies is
a contract between an insurer and an individual / group in which the insurer agrees
to provide specified health insurance cover at a particular “premium” subject to
terms and conditions specified in the policy. In today's day and age, a family medical
insurance is a must in India.
Health Insurance Comparison Benefits
Bimadirect works with leading
health insurance companies in India and to help you select best insurance plan in
India. We bring you specific quotes from them for your health insurance needs. You
can view all information, do a side by side comparison of best health insurance
plans in India and then make your informed choice at your own convenience. Buying
health policies was never so easy. We make buying family health insurance plans
in India easy, quick and cost-effective. Whether you are looking for a health policy
that covers pre and post hospitalization expenses, expenses for day care procedures,
critical illness, cashless claims, etc., we have health policies that cover all
and also provide you with tax benefits per prevailing government norms.
What does Health Insurance Cover
A Health Insurance Policy would normally cover expenses reasonably and necessarily
incurred under the following heads in respect of each insured person subject to
overall ceiling of sum insured (for all claims during one policy period). This includes,
Room, Boarding expenses, Nursing expenses, Fees of surgeon, anesthetist, physician,
consultants, specialists, Anesthesia, blood, oxygen, operation theatre charges,
surgical appliances, medicines, drugs, diagnostic materials, X-ray, Dialysis, chemotherapy,
Radio therapy, cost of pace maker, Artificial limbs, cost or organs and similar
expenses.
Insurance companies offer various other benefits as “Add-ons” or riders. There are
also stand alone policies that are designed to give benefits like “Hospital Cash”,
“Critical Illness Benefits”, “Surgical Expense Benefits” etc. These policies can
either be taken separately or in addition to the hospitalization policy.
A few companies have come out with products in the nature of Top Up policies to
meet the actual expenses over and above the limit available in the basic health
policy.
Type of Health Insurance: You may choose to opt for Individual
Health Insurance or Family Floater Health Insurance policies which are as follows:
-
Individual Health Insurance Plan: Buy this plan to ensure the
medical costs of an individual as it includes the medical expenses of pre- and post-hospitalization
incurred towards the ailment or disease for which medical tests are essential before
hospitalization and at the time of discharge.
Family Floater Health Insurance Plan: A family floater health
insurance, as the name suggests is a plan that is tailor made for families. It is
similar to individual health plans in principle; the only difference is that it
is extended to cover your entire family. This acts as an umbrella of coverage for
the entire family and therefore the name. A family floater health insurance is one
of the best options when it comes to safeguarding the health of your loved ones.
Since it is single policy offering family benefit, it relives you from the task
of maintaining and keeping track of several insurance policies & offers affordability
also.
Tax Benefits for Health Insurance
The government provides tax credit for buying health insurance policy under section
80(D) of income tax act. So with a health insurance policy, you not only get the
required medical coverage, but are able to save money through tax benefits.
Health Insurance for Senior Citizens
The Indian health insurance market for senior citizens has grown and there are many
companies that offer policies. A medical insurance for senior citizens provides
such individuals with financial benefits besides offering monetary help in case
of unforeseen medical emergencies. A health insurance policy empowers an elderly
person to go for health check-ups, financial help during emergency health problems
as well as long-term medical treatment. The policyholder enjoys tax benefits for
premiums up to a certain level under Section 80D of the Income Tax Act. A good number
of insurance companies in India are trying to overcome the challenges concerning
the senior citizens.
Compare and Buy Health Insurance Online
Compare and buy health insurance policies online in less than 15 minutes here at
Bimadirect from wherever
you are. We have partnered with most leading Insurance companies in India to bring
you best Health Insurance plans. We connect online with them to bring their best
health insurance products on this single platform for your comparison and buying
selection. To save your time and money and simplify your Insurance purchase, you
can view premium quotes and Compare Insurance Policies and Plans, and get side by
side comparison of Benefits and Premiums. All our services come free of any charge
to you.
While you buy insurance, if you need guidance at any stage, please call our insurance
specialist on our toll free help desk 1800 108 8888 or send us an e-mail at
contact@bimadirect.com.