Max Bupa health Insurance plans are offered by Max Bupa Health Insurance Company Limited in India which is venture established in collaboration with Bupa of UK which is a premium health insurance provider and Max group which runs one of the largest private hospital chains in the country and has also a lot of exposure in the life insurance business.
Max Bupa offers plans across all customer segments from individual plans to family plans to senior citizen plans and also offer insurance plans for specific health segment like cancer care etc. Max Bupa Health Companion Individual Health Insurance plan is a specific health insurance plan target individuals and their specific health needs.It is one of the most cost effective plan of individuals looking at effective health insurance cover.
Buying and renewing a max bupa individual health plan is quite easy.Anybody can do the same online by following few steps. As the plan is quite affordable for individuals and also offers 2 years of term make it more effective of individual policyholders. Though from the above review the plan looks quite good for individual but it is always advised for people to do an online comparison of the plan with other plans available from other insurers which can help one empower a person to make a good health insurance decision.
Bharti AXA health insurance plan is one of it kind of health insurance which comes with three types of forms. The best part of the plan is its lifetime renewability option so that the plan stays with you when you actually require it.The plan is suitable for both individuals and family.Under the family plan maximum four members can be included into it.This includes the policyholder,the spouse and their two dependent children.
2. The plan comes with annual renewability feature.So if you have problem of forgetting renewal dates then it can be bit problematic for you.
3. Any policyholder can avail 5% discount on premium for every claim free and the discount can go upto 25%. This seems to be very effective feature for policyholders who follow a healthy routine.One should keep in mind that one should not be raising claims for minor emergencies which will not only eat away the whole cover but also one would also not be able to avail the discount which otherwise would have benefited the policyholder while renewing the policy.
4. The plan covers all possible hospitalization expenses mostly without any caping This makes it an effective plan for most people of any age and of any health conditions.
There are all lot of situations in which your health insurer might not be covering you.A proper understanding the same is very much needed to decide whether to take a individual plan or not take a plan.People generally avoid reading the terms and conditions section of the policy document and they end up complaining the insurer when the claim getting rejected. We have listed below the top exclusions under the plan so that one can judge whether to buy this particular health insurance plan or not.
So from the above explanation one can easily evaluate the plan is more suitable for individuals and not for family. Senior citizen can also opt of individual health insurance plan become of lifetime renewability feature under this plan. But before one decide to buy bharti AXA health insurance which anybody can do it online and can also renew the same through the same mode should compare the plan with other available plans. Online compare health insurance plans is always helpful in matching the right plans with one’s health condition and helps the person to save a lot of cost on premium but it is always advised to do it as early as possible.
Star health and Allied Insurance is one of the first standalone health insurance companies in the country which started its operations in 2006.As per HT-Mars Survey it is rated as one of the best health insurance companies in the India which is very prompt in claims settlement.Star offers a bouquet of health insurance plans catering to both generalized health requirements and specific medical problems.Plans of Star health covers a whole array to policyholder requirement with separate plans being offered for both individuals and family.
Star Family health insurance plan also known Star health family Optima.The plan is believed to one of the cheapest in its category but as smart policyholder we should always keep in mind while buying or renewing health insurance plans price should not be the only parameter. We know that we are in a world where there are no free lunches so everything has a price attached to it.A plan that fits to your current health requirement and future needs is the most apt plan to look into. Experts always advise policyholders to do an online comparison of health insurance plans from different insurers before they decide upon a particular plan.
Most policyholders in India complain about their insurer of getting their claims rejected though it might not be a mistake ,either of the policyholders or the insurer. It is always recommended to look into the fine print of any policy before getting into a health insurance contract with insurer.Since these terms and conditions contains a lot of financial jargons so people tend to avoid them. To avoid people making this mistake we have listed below some important terms and conditions of Star family health optima plan which are important for policyholders looking to buy a star family health insurance plan :
Family health insurance plans are always better tools for planning one’s finances well. Plus the floater options this plans offer makes the usage of the plans very flexible for all the members of the family.But one thing we should keep in mind while taking a family health insurance plan is that don’t include your parents as members of the plan in which you, your wife and your kids are part of . Insurers charge you a premium based on the age of the eldest member in plan and plus your parents would always have higher health requirements compared your own health insurance.You can always opt for a senior citizen policy in which your parents can be a part of and if they are much older you should always opt for separate plans for father and mother respectively.
Star family health plan would is one of the good plans available in the industry today as it is being offered by a standalone health insurer but one should always compare plans offers by other insurers to make a right decision. You can also buy and renew you star family health insurance plan online which simplifies the decision making process more.
Religare care health insurance plan from Religare General insurance more suited for people looking for higher amount of cover may be because of some specific health condition. Like any other health insurance plan it also helps the policyholder to cover for all medical expenses incurred due to injury, illness or accident. The plan offers a larger array of options in terms of health insurance cover ranging from as low as Rs.2 lac to 60 lacs .This higher amount of cover is most suitable for people buying their health insurance plan at an older age.
Thus looking at the above set of features and value propositions offered under Religare care health insurance plan it is better for people who are doing their insurance planning at a much older age.Though the paying premium at an younger age leads to lower premium but one has to keep in mind that at an early age one might not be able to enjoy all the benefits associated with under this plan. The plan is more suitable for family floater requirements and in case one has taken the a term of more than one year and if the number of members under this plan is more than or equal to two , the policyholder can also available discount on their premium.
Though the plans looks very efficient and lucrative but it is always advised to do a online comparison of various health insurance plans available from different insurers before deciding upon a particular plan. Comparison of insurance plans before finalizing any plans always helps the policyholder to Buy Religare Care Health Insurance Plan and get the right amount of value against the premium the policyholders will pay that particular policy.
HDFC ERGO Health suraksha Plan is one of the most popular health insurance plan from HDFC ERGO general insurance company. The plan is currently available online only. If you try to make an honest review of this particular plan it is most suitable people who have opted for homeopathy and ayurvedic treatments compared to any other plan in the industry. One of the most important demerits of this particular plan is that in case a claim is raised during term of the policy the policyholder’s cumulative benefits gets reduced by 10% in one short which is quite high as per industry standards.
If one needs to really understand if the plan is suitable for that particular person understanding the basic structure is most important.
1)The plan is available for both individuals and family. The minimum entry age for individual under this plan is 18 years of age and if you want to induct your newly born as a member of an already existing family plan, the minimum age of the kid should be 3 months. On the other hand the maximum entry age of person into this policy is 65 years
2)This plan is best for policyholders looking to start with a small amount of cover. The minimum amount of cover allowed is Rs. 2 lacs under this plan and the maximum cover allowed is Rs.5 lacs.
3)A policyholder can opt for at least 1 year of term under this plan but if you have a habit of forgetting premium dates one can always apply for 2 year term, which is the maximum term allowed under this health insurance plan.
4)Premium paying under this particular policy is also very easy .You can always enjoy no claim bonus as discount of 5% for each claim free year with a maximum amount of discount allowed is 50% of sum assured. In case one has applied for a family plan under HDFC ERGO Health Suraksha and there are 2 or more members empanelled under this plan then one enjoy an extra 10% discount on the premium.
1)The minimum and maximum sum assured offered under this plan is Rs. 2 lakhs and 5 lakhs respectively so if one is looking for an higher cover this is not an apt plan to consider.
2)In case of medical expenses getting covered or reimbursed, a policy holder can always avail for 60 days pre-hospitalization and 90 days of post hospitalization cost getting covered or reimbursed.
3)In case the policyholder has applied for emergency ambulance services , the person should remember that maximum amount of coverage is only Rs.2000 per event in this plan.
4)In case one has go through a domiciliary treatment say during the pre-hospitalization period , to raise a claim one need to show that the person has gone through at least 3 days of treatment otherwise the cost incurred during this period will not be covered.
5)As already stated the policy is very efficient for people opting for alternate sources of treatment, under the health suraksha plan coverage for inpatient treatment under unani or ayurvedic one can availed to the maximum of 20% of sum assured.
So one can easily deduce that HDFC Ergo Health Suraksha plan is most suitable for people at their early age and want to start building their family health insurance portfolio. One should also remember that though the plan is suitable for people opting for alternate treatment but once the same is claimed one can’t apply for claim for the same health condition if is done through allopathic treatment.
Renewing and buying HDFC Ergo health suraksha plan is very and the premium charges at quite affordable across all available sum assured range since it is the only online health insurance plan from HDFC Ergo.But still it is advised that if one needs making an effective health insurance planning it is advised to do online comparison of all health insurance plans from other insurers too.To be a smart policyholder online comparison can also help a lot of cost premium and draw larger benefits from the money one pay for premium.
Tata AIG Mediprime health insurance plan is one of the many health insurance plans offered by TATA AIG General Insurance. A company with more than 16 years of experience of operations in India with one of the best claim ratio in the industry is something comes an additional benefits with Medi-Prime policyholders. Easily accessible from the perspective of health emergency.The company claims to facilitate the policyholders with cashless facility within four hours from the time a critical health condition is reported with the insurer. The policyholder get highly facilitated for getting 100% cashless assistance so the hassle around co-pay is fully taken care of .
Quick takeaways about Tata Mediprime health insurance plan:
What is covered or what is not?
Things that One should keep in mind
There are few things those which one should keep into mind if one is opting for Tata AIG Mediprime health insurance plan:
We all understand the important of having a health insurance plan and amount of cover for which one should get insured. Though above review of tata AIG Mediprime plan has all the important information based upon which one can take an informed decision but it is always advised to do an online comparison of health insurance before taking the final decision