Accident insurance is a policy that can reimburse your medical costs, provide compensation in case of disability or death caused by accidents. Check out the benefits of personal accident insurance cover now! all are exposed to the risks of accidents in our day to day lives. Despite all possible precautions accidents do occur which may result into disablement or loss of limbs or sometimes even death. This policy provides compensation in the event of insured sustaining injuries, solely and directly from an accident caused by violent, visible and external means, resulting into death or disablement be it temporary or permanent.
Your job may come with a company health insurance plan. Company plans cut down on the health costs you have to shoulder yourself. With employer-provided health insurance, your company will pay some or all of the cost. You need to be aware, however, that you might still be on the hook for a portion of the monthly premiums.
Family Health Insurance Plans
A Family Health Insurance Plan or a Family Floater health Insurance plan is a single sum of money offered to the entire family as coverage. The sum is divided amongst the family members equally in case multiple members fall sick. A single premium is to be paid in a year to avail this insurance. A single claim or multiple claims can be made within a year under this plan. It is more cost-effective than taking individual health insurance plans for each member of the family. However, addition of senior citizen members into this plan may increase the yearly premium.
Key Benefits of Health Insurance Policy in India
When the medical bills pile up, your savings drain quickly out of your pocket. A regular health check-up may also cost you more than you can afford. This doesn’t mean that you cannot have access to the best treatments available for you and your family. A health insurance policy comes to your aid is such a scenario. If you need medical care at home after your stay at the hospital, the health insurance will cover that too.
1. medical checkup facility
You should get a full health check-up once a year to nip any oncoming diseases in a month. Most of us ignore this fact because we don’t have the resources. A health insurance plan offers you the facility of regular health check-ups. These check-ups can be inclusive or you can have it as an add-on with your medical insurance plan.
Does a Health Insurance Policy Cover Coronavirus (COVID-19)?
if you have an existing health insurance policy, a coronavirus claim will be handled by the insurance company expeditiously. It will go through a thorough review by the claim review committee and decided if it will be accepted.
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