Which is the best health insurance plan?

The Indian health insurance market is inundated with so many health or medical insurance products that a person looking for the best health insurance plan feels bewildered among this deluge. The biggest cause of confusion is that almost all these products come with one or the other special features that attract people. Thus, a person should buy health insurance, looking into his/her healthcare needs and budget.

Maxima, India’s first 360 degree product, is brought by Apollo Munich. This product is supposed to be the best health insurance plan in India. This product makes medical treatment almost free for an insured. It offers cover both for inpatient and outpatient treatment. An insured gets consultation coupons for OPD, pharmacy, diagnostic tests etc.

Besides it, there is a long list of benefits and facilities that an insured gets along with this plan that make it the best health insurance plan in India. There is coverage for pre-existing diseases on outpatient basis without nay waiting period and on inpatient basis with waiting period of 3 years. There is maternity coverage, optional critical illness cover for eight major illnesses and many more. An insured can enjoy the coverage under this plan for the entire life, as it comes with a facility of lifelong renewal.

Buy Health Policy Online and stay away from policy issuance hassles

People use to wait for agents to buy health insurance. Agents use to act as a mediator between an insurer and an insured. But, now, the advent of internet has brought a big change in a human’s life. Thanks to it for making surfing easier. A person can sit at his/her home and can search for various products, as per his/her convenience. Health insurers give this facility to people to read all the term and conditions of the plan online. Buy health insurance policy online is a user friendly feature that helps an individual to buy the plan without any hassle.

This advanced means of buying and renewing online have brought a big relief to people following busy life schedule. One can surf insurer’s website and can know about the genuine information about the plan at any time of day or night. Plans comparison is also made easy, as quotes of plans are easily available.

Apollo Munich, known for designing products on behalf of people’s health needs, bring this feature of ‘Buy Health Policy Online’. It helps them to issue policy online in just four simple steps. This procedure keeps them away from the related hassles and long proceedings or tedious paper work, unless there is some adverse declaration made in the proposal form.

Critical Illness Cover - helpful

Critical Illness Cover is a coverage offered to an insured, in case he/she suffers from any of the enlisted serious illness, which a person might suffer from in his/her life. The medical treatment cost of these diseases is too high and thus, there is a need of special cover for them so that a person can avail quality healthcare without any financial stress.

Critical Illness Cover ensures that an insured is entitled to lumpsum payment, as promised in plan’s condition in an event of an insured diagnosed with any of them. This payment can be used for the treatment of the same. There are many health insurers that offer separate plans for the same. At the same time, there are health insurance providers that have included this facility in their pure health insurance plans. Easy Health plan from Apollo Munich, offers Critical Illness Cover as an optional and additional facility with it.

It is a complete health insurance plan that offers this coverage against eight illnesses—Cancer, First Heart Attack, Sclerosis, Paralysis, Coronary Artery Surgery, Stroke, Major Organ Transplantation and Kidney Failure.

Easy Health is available in three variants—Standard, Premium and Exclusive, each with its own coverage limits.

Easy Health and Maxima - Family Insurance Products

Family insurance plans are designed to curb the affordability issue that people faces with individual products. These plans offer cover to all family members, which may include an insured, spouse, dependent parents and dependent children. It is one of the best means to deal with expensive medical treatment that may bring financial stress over the family.

Apollo Munich offers family insurance through its Easy Health and Maxima that are well designed, looking into healthcare needs of all family members. Easy Health offers wide coverage at reasonable rates. It is available in three variants: standard, Exclusive and Premium, thus fulfilling healthcare needs of people of all income groups, whereas Maxima is a comprehensive plan that is designed for people belonging to high income group.

Maxima has several unique features. It offers cover to outpatient consultation with General Practitioner or Specialists, pharmacy, diagnostic tests, outpatient dental treatment and also gives entitlement certificate for annual health check-up.

Both these products come with lifelong renewal feature such that insured individual can get it renewed on time and can enjoy the coverage for the entire life. Apollo Munich is the first provider to come up with this facility. So, buy family health insurance and make medical treatment easy.

Buy health coverage at earliest

Many people live the belief that health coverage products are required at later part of life, when a human body becomes more prone to ailments. These remarks from people of 21st century seem quite strange. It shows as if these people do not know about the working of health insurance plans. They are not aware of cover ceasing age and the concept of waiting period.

The reality is entirely opposite. It is always better to buy health coverage at early age, as there are many advantages for the same. By the time a body becomes prone to health issues, all waiting period elapses and the policy purchased offers full coverage. A person buying in early age has to pay less than the one buying at old age.

It is, therefore, advisable to buy a plan with lifelong renewal feature so that it can enjoy the coverage all through his/her life. A person would get coverage for health risks both at early age and at old-age. Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health, brings this facility of lifelong renewal feature that gives its customer an access to enjoy the health cover for the entire life, on renewing regularly.

Health Insurance Floater Plans

An individual can meet any unforeseen incident that can bring health issues and may require quality medical treatment. It has been seen that it may lead to financial stress and thus, it is better to have health or medical insurance. There are different plans available in market. An individual can choose individual health insurance or health insurance floater plan, as per his/her healthcare needs and budget.

Health insurance floater plans offer coverage to all family members, which may include an insured, spouse, dependent parents and dependent children. Apollo Munich Easy Health is the best health insurance floater plan that offer cover to maximum of 2 adults and up to 4 children. Its coverage extends to hospitalization expenses, pre-and post-hospitalization expenses, day-care procedures, domiciliary treatment, etc. Besides it, it also offers Critical Illness Cover, along with other benefits and facilities.

Its Critical Illness Cover includes coverage for eight diseases-- Cancer, Kidney Failure, Stroke, Paralysis, Major Organ Transplantation, Sclerosis, First Heart Attack and Coronary Artery Surgery.

This plan is available in three variants—Standard, Exclusive and Premium, each with different coverage limit and range if sum insured.

This plan also comes with lifelong renewal feature to help its customers to enjoy the coverage for the whole life.

Health Insurance Premium - a very small amount

Health insurance is becoming one of the necessities of life for one and all. It brings an insurer and an insured into contract, wherein which insurance provider offer health cover, on occurrence of specific event and a policy holder promises to pay specific amount for the specific time period. This amount is known as health insurance premium.

Health insurance premium may vary from plan to plan and from company to company. In brief, health insurance premium is a very small amount, just few hundred or thousands of rupees, paid towards coverage of lakhs of rupees. There are people who are living with the wrong belief that health insurance is expensive and thus, stay away. These people should be made aware that there is a wide range of these products, designed for people of different sections of society.

A person needs to choose a plan, as per his/her needs and budget. In order to make the task easier, reputed companies, like Apollo Munich, give health insurance rate charts for the people, buying through agent. Besides it, health insurance companies have also brought Online Premium Calculator, which is very easy to operate and the customer can calculate his/her own premium through this calculator, before buying the plan.

Low Cost Health Insurance - choose carefully

There are many people who think a lot before buying low cost health insurance. At the same time, there are people who believe that these products offer narrow coverage. But, it is advisable that a person looking for these products should make a choice carefully on basis of healthcare needs.

An ideal way to find the best low cost health insurance is to look into various associated factors, other than premium. People in their attempt to find cheap products focus only at medical insurance rates and thus, buy the one that fits into their budget. But, it is recommended that such people should also look into coverage limits and other facilities offered. There are many such plans that offer wide coverage at reasonable prices.

Apollo Munich, a pure health insurer, offers all its products at affordable price. Easy Health plan can be purchased at the rate of just few rupees per day. It may amount to less than Rs. 5 per day. Insure Health is the simplest and easy-to-buy product, designed for people who want coverage for sum assured less than 2 Lakh. So, buy health insurance today and have a secured tomorrow.

Medical Cover - a prime necessity

Medical Cover is one of the important necessities of life. It is required to seek quality healthcare from the hands of experts. A person can come across a sudden mishap that may bring health issues which may affect lifestyle to a great extent. No doubt that there are various sorts of medical treatment for these health issues. Thanks to medical science for bringing the solution.

Medical insurance plans have further brought relief to people. These products are the best means to avail quality healthcare without any financial crunch. Such plans maintain the balance between the quality healthcare and the wallet, which else would have been difficult to afford. There are various types of medical insurance plans brought by medical insurance providers. Some of these plans work on the principle of indemnity e.g. health insurance plans, while other work on the principle of benefit, e.g. accident insurance plan.

Apollo Munich, a joint venture between the Apollo group of hospitals and Munich Health, has earned goodwill for offering best-in-class products and services. Each and every of it medical insurance plan brings a long list of benefits for its customers. It also brings lifelong renewal feature so that its customers can enjoy the coverage for the whole life.

Seek financial assistance with medical health insurance policy

Medical health Insurance Policy is an ideal tool to seek quality medical care without any financial encumbrance. It keeps both an insured and his/her family members at peace of mind with an easy access to medical treatment from the hands of experts. One of the best services that an insured can avail is cashless hospitalization.

Using the facility of cashless hospitalization, a policy holder can seek medical treatment in network hospital and can walk out of the hospital premises without settling medical bills, which are settled by the insurer. This medical health insurance policy also offers health coverage for the covered peril in any registered hospital (non network hospital) on the basis of reimbursement. In this case, an insured has to pay the bills himself/herself. These bills can be raised for reimbursement from the insurer.

Besides it, there are much more facilities and benefits that make medical treatment easily accessible. Easy Health plan brought by Apollo Munich is the best medical health insurance policy, according to the survey conducted on the best health insurance plan based on their price and features. This plan comes with lifelong renewal feature to help its customer to enjoy the health cover for the whole life.