Health Insurance

In short, a type of insurance coverage that pays for

medical and surgical expenses that are incurred by

the insured. Always opt the best health insurance as

per the need of the individual or family.

Health insurance covers (depends on plans):

Cashless treatments (through a network of hospitals)

Hospitalization expenses including ambulance

charges

Free medical check-up (through a network of

hospitals)

Critical illness/ Accidents/ Pregnancy

Some common types of health

insurance:

HMO – Health Maintenance Organization

PPO – Preferred Provider Organization

PoS (Point of Service)

High Deductible Health Plan

HMO – Health Maintenance Organization

Allows you to choose a primary care doctor from a

network of healthcare providers

In case of specialist care, your primary care doctor

will refer you to other specialists

No deductible

Low cost and co-payment amount

PPO – Preferred Provider Organization

Allows you to have the entire network of healthcare

providers at hand

Plus doctors outside the network

There are some deductibles

Deductibles increase when you consult with doctors

outside the network. So does the cost!

PoS (Point of Service)

Allows you to choose a primary healthcare provider

from the network

When necessary, you will be referred to specialists

within the network

Shares the stipulations of both HMO and PPO

Low premium but high deductible

Deductibles can be even more higher when you see

doctors outside the network. So do the copayment

amounts!

High-Deductible Health Plan

High deductibles but the premium to be paid is low

Need to manage the expenses incurred for routine

checkups on your own, until the deductible amount is

met

Once the maximum deductible is met, you will start

enjoying the coverage

Why To Opt health insurance?

-Health or medical insurance can help you out in

paying large medical bills, which can take a toll

on your future.

-To secures your ‘now’ and ‘future.’

- Free Medical Check ups and maintain a healthy

life.

- ‘Good things come in small packages’

- Cashless mediclaim policies help for the

treatment without having to expend anything.