Health insurance is insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons. By estimating the overall risk of health care and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement.
Family health insurance plan covers entire family in one health insurance plan. It works under assumption that not all member of a family will suffer from illness in one time. It covers hospital expense which can be pre and post. Most of health insurance companies in India offering family insurance have good network of hospitals to benefit the insurer in time of emergency.
As name suggest These kind of health insurance plans are for older people in the family. It provide covers and protection from health issues during old age. According to IRDA guidelines, each insurer should provide cover up to the age of 65 years.
The Cardiac Care plan offered by Star Health and Allied Insurance company limited has following benefits: … The Gold variant of the plan offers coverage for procedures under cardiac medical management. This plan covers pre-existing cardiac ailments from the 91st day after the commencement of the policy.
The insurance policy offered by Star Health insurance company for diabetics patients fall under individual and floater (self and spouse) coverage type. Under Plan A only, pre-medical screeing required. If the policy is rejected after the screening, 50% of the medical screening will be charged to the policy seeker.
Travel policy offers protection from unforeseen contingencies during travel such as a medical emergency (travel health insurance), loss of passport, loss of checked-in baggage, trip cancellation etc. allowing a pleasant, worry-free travel experience
A personal accident cover offers coverage to the insured and his family in case of an accident whereby s/he or her/his family members will be able to get the compensation amount in case of injury, death, total or partial disability that takes place because of any accident caused by violent, visible and external means.
