Every individuals have different preferences as per their need, so there is a variety of health insurance policies with different health insurance coverage offers.
Here we, have put forward the variety of health insurance plans in India-
Individual Health Insurance Plan
As the name suggests, this plan is designed for a single individual. This insurance policy insure a single individual against various illness as per the norms of insurance policy. This plan involves premium with low risk factor as it is borne for only an single individual. This insurance policy covers the disease or illness as per the terms of policy. The premium of this insurance plan depends on age, location, previous medical history and so on. The expenses which is covered under this plan are- maternity care expenses, pre and post hospitalization, patient care, charges of laboratory tests, medical examination fees and consultation charges.
Critical Illness Plan
This specific plan provides insurance coverage to the policy holder suffering from critical illness specified under the policy. As the medical cost of critical illness like- heart attack, organ transplant, paralysis, cancer, kidney failure is quite high, so the critical illness plan provides financial support to the policy holder suffering from any one of the critical illness listed under this policy. This plan is best suited for those with a medical history of specific illness or disease.
Family Floater Health Insurance Plan
This insurance plan offers insurance coverage of your family members against various illness or diseases. The medical coverage of your parents, spouse and children (minor) are included in this policy plan. This plan can include family members upto 15. It is always wise to go for family floater insurance policy with medical coverage of your family, instead of high premium of individual policies. Each insured members receive an equal coverage amount or all the members receive a combined sum depending on the health insurance provider. If any family member need a specific amount for any medical treatment, they can take it from the entire sum amount under the combined sum. Though the premium of this policy is higher, but it will be a money saving plan instead of spending on multiple things .
Senior Citizen Health Insurance Plan
This plan is exclusive for the medical needs of the senior citizens. This plan is eligible for those who has attained the age 60 years. This plan involves lower premiums or discounts on premiums. Before selling this plan, there is a requirement of medical check up from the insurance company.
Maternity Health Insurance Plan
This plan offers policy coverage for maternity and additional expenses. These policy covers- mother and the newborn baby, pre and post natal care, complication during delivery, hospital charges and sometimes vaccination of the new-born babies. Under this insurance plan, the maternity insurance providers are connected with a wide range of hospitals and also takes care of the ambulance expense.
Preventive Healthcare Plan
This particular plan aims in healthcare provision for preventive care. Preventive Healthcare Plan offers policy coverage of preventive care like- regular check up, consultation fees, concession in X-ray fees etc. This policy ensures prevention of an ailment and it’s early detection.
Personal Accident Cover
Accidents are unforseen incident and can never be expected to happen. This plan can be a benefit of the base plan or is offered as a rider. This insurance policy covers the cost related to personal accident. The medical coverage includes- hospitalization, compensation in case of disablement, injury, mutilation or impairment and even death. Accidents which are covered includes- rail, water, road and air.
Employee/Group Health Insurance Plan
To safeguard the interest of the employees and to minimize the risk, many companies insure their employees with health insurance. As the employees join or leave the company, this policy is designed accordingly.