'' Future Generali sells very good family health insurance. The process for policy issuance is done quickly with soft copy sent on email. They also share hard copy of policy and a health card which arrive within 7 days.''
Health insurance protects you and your family from a financial crisis in times of unexpected medical emergencies. It takes care of hospital bills and other medical expenses while you can focus on taking care of your loved ones. There are multiple health insurance plans that you can choose from based on your need and budget.
Future Generali Health Insurance Policy Download
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Health insurance protects you and your family from the financial burden in case of unexpected medical expenses. If you don't have health insurance, a serious illness or injury can cause huge medical debt.
Health insurance is your safety net in times of financial emergencies. It allows you to access the best healthcare for you or your loved ones without worrying about the bills. Here are other reasons why you need health insurance-
Even if you lead a healthy lifestyle, things can go wrong. You need a comprehensive health cover to protect your savings in such times. With a health insurance, you get the financial support you need in tough times.
With time, healthcare expenses have gone up rapidly. Even if you have a health insurance policy, it may not be enough. The right policy will give you proper coverage. Take a look at the different plans we have and choose one that works for you .
All insured members over 18 years are eligible for availing of a 'Health Check-up' under the policy. The health check-up can be conducted from the 1st year of the policy with us. You can avail of a health check-up at our partner diagnostic centres only. Click here for list of tests covered under Health Check-up.
Every individual must have health insurance to protect their financial and mental well-being in times of a medical emergency. To further encourage citizens to buy the best health insurance, the Government of India offers tax benefits. You can get tax deductions under section 80D for the premium you pay for your health insurance.
The benefits and coverage of your health insurance policy will depend on the plan you choose. It will also vary from provider to provider. However, there are some common benefits of health insurance plans that you can enjoy.
Hospital bills can quickly increase your financial burden. A health insurance plan takes care of all hospitalization medical expenses for you while you focus on taking care of your loved ones. It also covers all medical expenses before and after you get hospitalized.
Many health insurance plans offer other value-added services like regular check-ups, vaccinations, screenings for certain conditions, etc. This helps you stay updated with the latest status of your health and determine signs of illness early to take preventative measures.
Depending on your policy, you can also avail of maternity benefits under your health insurance. You can enjoy your maternity period in peace while your policy takes care of all pre and post-natal expenses.
These criteria can vary depending on the plan and insurance provider. However, they usually include age limits for dependent children and adults, as well as waiting periods for pre-existing conditions and pre-medical screenings for policy buyers of certain ages.
A pre-medical screening is a medical test that is mandatory for policy buyers that are senior citizens. The results of the screening can influence if the insurance provider will approve the buyer's insurance request. Therefore, it is advised to buy your health insurance at a young age to improve your chances of getting approved and avail of a low premium rate.
If you have a pre-existing disease at the time of buying health insurance, you will have to bear a waiting period. This period can range between 2 and 4 years depending on the severity of your disease. During the waiting period, you cannot receive all the benefits of your health insurance. But make sure to disclose these vital details at the time of taking the policy to prevent your claims from being rejected in the future.
Before buying an insurance policy, determine your requirements to select the best and most affordable plan. For example, if you have dependent family members, then you must consider opting for a family floater plan. This is because individual plans for all the members will be way too expensive.
Health insurance typically works by having you pay a premium regularly for the duration of the policy. In return, the insurance company pays for the agreed portion of your medical expenses. This helps you stay protected against medical emergencies and be able to fund them comfortably.
Medical emergencies can come unannounced. If you don't have health insurance, you will have to pay the full cost of your medical care out of pocket. But as these treatments can be expensive, they can take a toll on your finances. With a health insurance plan, you do not have to worry about arranging funds in times of need.
When choosing a health insurance plan, you must consider different factors like the cost of the premium, the size of the network of doctors and hospitals, add-on services, and the coverage offered. You must also consider your own medical needs and budget when selecting a plan.
A pre-existing condition is a health condition that existed before you apply for a new health insurance plan. Some insurance companies may not cover treatments for pre-existing conditions or may charge more for coverage.
A waiting period in health insurance is a specific period that must pass before certain benefits or coverage under a health insurance plan can be used. There are different types of waiting periods in health insurance:
A health insurance policy is essentially a contract between an insurance company and the policyholder, whereby the insurer will pay for medical expenses of the policyholder (as per conditions highlighted in the health insurance policy document). The insurer will either reimburse you for your medical expenses or settle the bill directly with the hospital. In order to avail a health insurance policy, policyholders have to pay a premium, which varies from customer to customer and insurer to insurer as a result of various factors, including, age, lifestyle, job, gender, history of medical illnesses, family history of various diseases, amongst other factors. Health insurance plans offer the policyholder coverage against hospitalization charges, pre-hospitalization charges, post-hospitalization charges and ambulance expenses. Health insurance policies are extremely flexible and policyholders can reduce their health insurance premium amount after a specified period and they can even change their policy duration.
56% of Indians still do not have a health insurance cover. Due to the same they spend out of pocket from their monthly income or savings on availing health services, which hinders the social and economic development of the country. In fact, as per data provided by the Public Health Foundation of India (PHFI) out-of-pocket health expenses drove 55 million Indians into poverty in 2017, and of these, 38 million (69%) were impoverished by expenditure on medicines alone. The importance of having a health insurance policy can not be emphasized enough, especially given the rising cost of availing healthcare and the crippling impact a disease can have on your finances and future. There are a range of benefits offered by health insurance policies due to which you should opt for them:
Health insurance premiums vary from insurer to insurer and from customer to customer. There are several factors, including your age, income, gender, family history of medical illnesses amongst several others that influence how much premium you would be paying. Here are some factors that affect the rate of premium that you are being charged under health insurance:
One of the most important points to remember when you are buying a health insurance cover is that this cover will be used in the future. Medical inflation far outpaces the overall inflation. India has witnessed a steady rise in health inflation, even as the rate of overall inflation has fallen. In fact, in January 2019, health as a contributor to inflation even surpassed education and housing. The Global Medical Trends Report by Willis Towers Watson also explains how the high cost of new medical technologies is also a contributing factor to the increasing medical costs. Other factors driving such costs include global population ageing and poor lifestyles. A report by Mercer Marsh Benefits mentioned that the projected medical trend rate hovers at 10 percent in India, while inflation will be at 5 percent. Therefore, when deciding to buy a health insurance policy, you need to factor in this rising cost.
Considering the epidemic of lifestyle-related diseases across towns and cities, you should also consider supplementing your health insurance plan with top-up plans with time. Ultimately, ask yourself one question: is your health insurance cover enough, considering the double-digit health inflation?
Riders in health insurance policies can be defined as an attachment or an amendment to an existing policy that provide coverage in addition to the basic health insurance plan. Usually, riders / add-on covers are used to strengthen an insurance policy by providing additional benefits and coverage. Conditions of riders and their costs vary from insurer to insurer based on insurance plan, premium rate and other conditions defined in the plan. There are a range of riders offered along with health insurance policies to help you customize your policy as per your needs without having to buy a completely new policy. A major perk of adding riders to your health insurance policy is that they provide extended coverage at affordable rates. Thanks to IRDAI regulations, there is a limit on the premium charged for riders (30% of the basic insurance premium) ensuring that they are affordable, yet offer you extended coverage. e24fc04721
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