Personal health insurance policy or individual health insurance policy is the best way to ensure that you experience hassle-free and peaceful health care services. We at Bajaj Allianz offer health insurance plans that offers the following features and benefits:
- Sum Insured options ranging from INR 1.5 lakhs up to INR 50 lakhs
- Coverage for pre & post hospitalization expenses
- Coverage for extended family members
- Cashless claim settlement in 6000 + network hospitals
- Cover for ambulance charges, organ donor expenses, bariatric surgery cost, Ayurvedic & homeopathic hospitalization
- Free preventive health checkup
- Maternity & newborn baby expense cover
- Health CDC benefit (Expedited claim settlement through our mobile app Insurance Wallet)
- Expedited claims processes due to our in-house Health Administration Team (HAT)
- Tax exemption benefit under section 80 D of the Income Tax Act
Importance of health insurance in India
Besides having the above-mentioned features, having a health insurance policy is important because:
- It gives you access to numerous network hospitals, where you can receive quality treatment.
- It saves you from spending your hard earned money by giving you the facility of cashless claim settlement.
- You get numerous coverages at affordable premium costs.
- It gives you the required peace of mind which you need during the times of medical emergency.
- Health insurance policies come with a free-look period of 15 days, which gives you an opportunity to go through the features and benefits of the policy and understand all the inclusions and coverages offered.
- By having a health insurance policy, you can also save on your taxes.
Health insurance is not mandatory in India, but with the rising cost of medicines and the expenses related to health care services, doctor's fees, medical tests etc., it is necessary that you have a plan that can minimize your out of pocket expenses and take care of your finances, as well as your health. Before investing, it is important to understand what is health insurance and coverage offered under the plan you opt for.
While there are myriad of health insurance products in the market, you should be clear about your requirements and choose the right insurance plan for yourself and your family.
Personal accident insurance is also very necessary in today's uncertain world, where you never know when you meet with an unforeseen and an unfortunate accident. These incidents might leave you in a weak physical state and also affect your mental well-being, but if you do not have an appropriate health insurance plan, you can also suffer on a financial level.
Visit our website to buy and know more about health insurance plans that can safeguard your finances when you need to avail medical care services.