It is best to keep yourself armed with health insurance to meet your medical needs in case of any unfortunate event that life throws at you.
Choosing Okbima gives you a variety of affordable health care plans with exceptional health insurance benefits.
What is Health Insurance?
It is a contract between an insurance company and the person who wishes to be insured in which the company agrees to pay some or all of the medical costs of the person’s medical bills.
HEALTH INSURANCE BENEFITS
It is rightly said that “Health is wealth”.
A tremendous amount of needless pain and suffering can be eliminated by purchasing a right health care plan for yourself and your loved ones.
Here are some key takeaways of buy health insurance plan
● Comprehensive coverage : This insurance is liable to cover both pre and post-hospitalization expenses. You may also claim coverage for different kinds of treatments that you seek.
● Cashless facility : All insurers have a tie-up with most of the prominent hospitals across locations and claim to cover your medical expenses without you having to pay any cash amount to the hospital as your treatment cost.
As an alternative, the insurer reimburses the amount of bill that you have paid to the hospital which is not empaneled with insurer.
● Tax benefits : The Income Tax Act allows you to avail of tax deductions under Section 80D. Health insurance policy holders get a tax rebate for the premium they pay.
WHAT DO WE COVER?
● Pre-existing illnesses or diseases : After the waiting period has passed, you can file a claim for the costs of treating any pre-existing disease or condition.
● Individual health plans : As the name suggests, this health care plan covers the treatment cost of a single person. The policy holder receives the benefits for the premium paid.
● Family floater plans : Under such health care plans, the whole family qualifies for coverage. The insured can include his/her spouse, children, and parents under the policy.
● Senior citizen health plans : This health insurance benefits the funding for medical costs incurred by people above 60 years of age.
● Group health insurance plans : These offer coverage for a group of people under a single policy. This health care plan is mostly offered to employees by the employers.
● Critical illness plans : These types of health plans are helpful against the treatment of critical illnesses such as heart diseases, organ failure, or cancer. Treatment costs for such ailments are very high, which is why it makes sense to buy such a policy.
● Top-up health plans : These are health cover plans that can be added to upgrade your existing health plan. Such plans provide you with extra coverage once being upgraded.
● Covers coronavirus treatment : As per the IRDAI guidelines, insurers have also launched COVID-19 specific best health insurance plans.