Health Policy Online: in four simple steps

Internet is growing speedily. It is a unique tool that has made every task, right form surfing, trading to communication, simpler and easier. Everything has been made uncomplicated with the advent of internet. Internet has also found its application in Health insurance sector that is one of the unprofitable sectors in India.

Today, every notable health insurance company has its online identification through website, which gives a person an access to genuine information. It has ‘Buy Online’ and ‘Online Renewal’ portal. A person can enter the “Buy Online’ link and use the premium calculator to know about the premium to be paid before buying health policy online.

There are abundant providers that issue health policy online without any hassle. One such company that is known for safe and secure transactions is Apollo Munich Health Insurance Company. A person can buy health policy online in just four simple steps— Select a plan, Create Proposal, Insure Details and Make a Payment. All these steps are simple and user-friendly, which helps a person to get medical policy without any hassles.

Besides it, the company has launched its online renewal feature to help a person renew its policy without any inconvenience.

Family healthcare insurance: how to end up paying less?

A person might fall sick at any time of life. The biggest problem that a person faces at the time of medical expenses is paying for the treatment expenses. There is no doubt that medical treatment has been made so expensive that majority of people in India are deprived of quality healthcare because of affordability issue. At the same time, people should look into health insurance products that are designed to finance medical expenditure.

Thus, there is need to educate people about the benefits of family healthcare insurance so that they can get an access to quality medical care. This will help them in paying medical expenses. Family healthcare insurance are the plans designed to offer health coverage to health needs of all family members, which may include an insured, spouse, dependent children and dependent parents.

It is not recommended to include parents in family plans because the premium is charged according to the higher aged person and so, an individual might end up paying for the more premium amount, as it increases risk factor.

Apollo Munich’s Easy Health plan is the most sought after family healthcare insurance plan, available with affordable premium.

Buy Insurance Online: user-friendly, easy and straightforward

Internet has brought a great change in human’s life since last decade. It is finding place in almost every sphere of life. It has made everything easy for people. This means well suits hectic schedule followed by an individual. Internet has also penetrated into health insurance sector, thus helping people to buy insurance online. Today, almost every notable health insurance provider has established the link of ‘Buy Insurance Online’ on their website, which gives an individual an access to buy the plan.

Buy insurance online is a feature that issue policy instantly to an applicant. The most important beneficial point of using this means of policy issuance is that it can be operated with convenience, either during a day or a night time. There is no need to call or wait for agents to issue a policy or create proposals for the same.

Looking into the changing market dynamics, Apollo Munich has also introduced the features of ‘Buy Insurance Online’ and ‘Instant online’ so that its customers can issue policy online and can get their plan renewed online. Both its features are user-friendly, easy and straightforward. An individual can buy or renew the plan in just few click of the mouse.

Best Health Insurance: the choice of all

There is no doubt that people fall sick now and then. One of the major issues faced by people at the time of medical emergency is the affordability of medical costs. Medical treatment cost is increasing so speedily that it is becoming difficult for people to afford the same. Looking into the solution to this problem, health insurance offers coverage to people so that medical treatment can be made affordable and accessible.

There are countless health insurance products available in market but everyone wants to have the best health insurance so that he/she can take the maximum benefits of his/her investment. A person who wants to have the best health insurance plan should make the list of healthcare needs, shortlist the plans that fulfill them, compare the quote and then buy the one that appears to be the best.

A person should not forget to compare health insurance quotes of the plans on the basis of the various parameters, like premium, coverage limits, deductibles, copayments, exclusions etc. Last but not the least is the reputation of health insurance provider. It is always better to buy from a reputed health insurer, such as, Apollo Munich, in order to enjoy the maximum benefits.

Family Insurance

Family insurance plans are designed to offer cover to all family members, which may include an insured, spouse, dependent parents and dependent children. A person should always buy family health insurance, as expensive medical treatment is one such problem that brings financial stress over the family and this problem can be avoided using family health insurance.

Apollo Munich offers family insurance through its Easy Health and Maxima that are well designed, looking into healthcare needs of all family members. Easy Health offers wide coverage at reasonable rates. It fulfills healthcare needs of people of all income groups, whereas Maxima is a comprehensive plan that is designed for high income group people.

Maxima has several unique features. It offers cover to outpatient consultation with General Practitioner or Specialists, pharmacy, diagnostic tests, outpatient dental treatment and also gives entitlement certificate for annual health check-up.

The company has also brought Easy Health plan with portability feature, thus giving other people an access to switch from their health insurance products to Apollo Munich’s product along with accrued benefits. So, if you are not satisfied with your insurer’s service, get shifted to Apollo Munich. They offer the best services and products.

So, buy family health insurance and make medical treatment easy.

Medical Insurance Plans

There are many medical insurance plans available in the country today. The mode for buying these plans may vary and so could their benefits. But the ultimate aim of these plans is to provide customers with comprehensive coverage at times when they need medical treatment. Each insurance provider therefore tries to provide the most options for customers and individuals when it comes to health insurance and services attached therewith.

The problem is that even thought medical insurance plans are gaining popularity; the rate at which this is happening is still slow. People are generally content with the group plan that is provided from the company. However, it is important that people should get personal plans as well. This awareness would go up as and when people realize the difference in the two kinds of insurance. Another factor that would affect the awareness is the fact that the people who are healthy should realize that there is no point in getting the plan after they fall ill. Medical insurance plans should be bought before the person falls ill so that all waiting periods can be done away with ease. Apollo Munich provides clear policy wordings which would help the customer get the needed treatment with ease.

Accident Insurance India

When a person feels that life has nothing worse to offer, they should try and picture a time when they face an accident and do not have the needed finances to get the right treatment. There are many factors that affect an individual when they encounter such situations. Once a person has an accident, the cost of treatment is added to the household expenses. The realization of such costs has lead to the growth and expansion of accident insurance in India. There are many plans that are provided which are designed to enable customers to take on the cost incurred by insured people when they face an accident.

There are many other factors that affect the individual at such times. If a person becomes invalid at the time of an accident, he or she would need money to modify the house, car and other such things to be able to lead a regular life again. Some accident insurance plans in India provide coverage for these costs too. Apollo Munich Health Insurance for instance, combines these in their accident insurance plan. The Personal Accident Plan covers modification of residence and/or vehicle if the company has accepted the permanent total disability claim.

Personal Health Insurance

You work hard for the money that you earn. There are times when you can spend the money the way you want to. There are also times when you can plan and money so that family members are able to get the best that life has to offer. But the problem is that there many times when a person needs treatment and cannot get the same due to lack of money. This is when it really affects the family budget. Not many people are able to earn enough that they can give their family money to blow up as well as money to save. The problem is that when a person is in need of treatment, the individual has to spend money. There is the option of using personal health insurance to pay for the treatment, but the problem is that people are not aware of such plans.

There are not many people who have the ability to get the needed treatment without undergoing some form of financial stress. The amount you could have saved can be spent on some other joys of life. Companies like Apollo Munich provide personal health insurance plans and several value-added services along with the same.

Apollo Munich - Personal Accident Policy

When one meets with an accident, there are more than just healthcare costs that need to be accounted for. A family is put under a lot of financial strain when any member meets with an accident. A personal accident policy would provide coverage for the individual in such times of distress. These plans do not just provide financial protection; they also provide customers with lump sum amounts to take care of the daily costs that are met. There are a number of benefits that are provided along with these plans.

A personal accident policy covers a person under the following conditions:

• Accidental Death (AD)
• Permanent Total Disability (PTD)
• Permanent Partial Disability (PPD)
• Temporary Total Disability (TTD)

These plans generally provide customers with lump sum amounts after most of the above cases. The provision of any benefit in any insurance policy depends greatly on the terms and conditions of the coverage provided.

There are some insurance policies that also provide cover for the family’s transportation in the event of Accidental Death (AD) or Permanent Total Disability (PTD)
Sometimes even the cost of emergency ambulance cover is provided. Apollo Munich provides customers with an accident policy that covers all these benefits.

Quality Health Insurance

When one needs medical attention, the cost of the treatment often crosses the individual’s mind. There are many people who are involved in their daily life and forget about the fact that when a medical problem arises, there could be a heavy blow to the family income. There are few people who are aware of medical insurance. It is essential to buy a quality health insurance plan that would enable you to get the needed treatment and at the same time protect the financial interest of the family. However, while buying the plan try and ensure that it suits all the medical care requirements of an individual.

There are many insurance plans that cover certain aspects of a medical treatment but not the entire treatment itself. One of the main factors is that of covering the cost of ICU, Operation Theater, Blood, ambulance, etc. Any good quality health insurance plan should provide ample coverage for all these steps in the treatment. There are always certain illnesses that are not covered by mediclaim plans. One should know these. Apollo Munich Health Insurance offers good quality health insurance plans that are designed to give customers an edge over all the medical problems faced.

Easy Health Insurance

There are many health insurance plans that are available in the country. One of the most important points about these plans is that they should be simple and easily understood. The limitations, exclusions, waiting periods, and all other such factors should be easily understood by individuals using the plan. This would reduce the confusion and the misconceptions faced by individuals at the end of the day. There should be a clear understanding of the kind of plans that are present and the kind of problems likely to be faced by the individual. A good understanding of both can enable one to get the right health insurance policy. One of the best health insurance plans is the Easy Health Insurance Policy from Apollo Munich Health Insurance.

The plan has been made to cover many aspects of healthcare. The premium variant of the policy also covers the policy holder’s needs for certain outpatient care. There are also many other aspects of this Easy Health Insurance Plan. This variant also covers certain maternity benefits for the individual.

Any health insurance plans should be simple. The Apollo Munich plans (all of them) have simple policy wordings and you can read them on the company website.

Individual Travel Insurance Plan

When an individual travels out of the country, there are number of problems that he/she can face. Each of these problems has a very simple solution. One only needs to get the needed coverage so that there is no financial problem that one undergoes due to the difficulties faced while traveling. An individual travel insurance plan is designed such that all the travel-related problems of an individual are taken care of. There are many insurance plans that are designed to cover only a certain part of the trip. However, it is best to buy an insurance plan that actually covers all the travel related problems that are faced by an individual.

There are many individual travel insurance plans that provide coverage to individuals only for medical problems. Then there are also plans the offer coverage to people for only airline problems. A good individual travel insurance plan would cover all the medical and non-medical problems that are faced on the trip. So whether it is a trip cancellation, flight cancellation, or any medical emergency in the new place, a comprehensive travel insurance plan would cover it all. Apollo Munich provides the best possible travel insurance solutions to individuals and families. Each of their plans has several value-added services alongside to give customers assistance whenever they are faced with any problems.

Group Accidental Insurance

When you are working in the office, how many times does the security of your family cross your mind? How many times do you stop your work and think about the financial strength you would need to cope with any distress in the family? There are countless times when a person does not have any clues about the kind of money he/she would after an accident. There are the costs of treatment as well as the daily household expenses that one has to take care of. This makes it difficult to give an estimate about the kind of work that is required. Realizing that this worry brings down employee efficiency, there are many employers who provide employees with group accidental insurance plans.

These are insurance policies that are specifically designed to help assist a person and his/her family after an accident. There are many times when the individual has to face problems regarding health insurance premiums. Sometimes people do not even have the monetary ability to buy an accident insurance policy for themselves. This is why a group accidental insurance policy is important. The premium of the policy is either paid by the employer or at a subsidized rate by the employee. Apollo Munich offers comprehensive accident insurance plans for all individuals.

Corporate Insurance in India

There are many people who have insurance from their employers. These are plans that have been designed to give customers the best kind of healthcare that is available. When an employee has fewer things to be worried about, their efficiency automatically goes up. This fact has been scientifically proven. When a person is mentally stress-free, the productivity goes up a lot more. This is one of the reasons why the concept of corporate insurance in India has gone up. The concept was earlier only popular among those who worked in international companies or MNCs. Many Indian companies too have started providing this benefit to their employees after realizing the benefits.

Corporate insurance in India is available in many forms. One can get health insurance, accident insurance, travel insurance, etc. The premium for all these plans is covered by the employer. There are some companies that provide such plans after charging the premium from the employee, but even these are subsidized. The whole plan therefore works out to be much cheaper than a personal plan. Apollo Munich Health Insurance offers comprehensive corporate insurance plans in India. The company provides a large number of mediclaim policies that cover diverse needs of an employee.

Corporate Insurance Company

In India, there are many companies that provide insurance. Some of them provide only life insurance whereas some provide general insurance. There are also certain stand-alone health insurance providers. There are many insurance companies that provide people with plans for personal use. Certain insurance providers act as corporate insurance companies. They provide a vast range of plans for corporate employees. The only problem with a corporate insurance policy is that the plan is only valid as long as you remain on the rolls of the company. This means that if for some reason you have to leave your job, then you are going to be left to fend for yourself when it comes to the coverage of the insurance plan.

There are also personal plans that can be bought. Some corporate insurance companies also provide personal plans to customers. The benefit of the personal plan is that even though it is more costly, there is no limit on the duration of coverage. There is no chance of the plan being invalid. Apollo Munich provides individuals with both personal and corporate health insurance plans. There are many value-added services which are offered to corporate individuals with the policies. Apollo Munich has the aim of providing simple plans that can be used at any time.

Travelling Insurance India

When a person travels they have the advantage of getting to see new places and learn about new lifestyles. However, with each place come new problems. The cost of living overseas is much higher than that in India. This makes it difficult for people to be able to judge the amount that would be needed to get the needed medical attention in the new place. Traveling insurance India is a new industry. There are many people who have just started realizing the importance of the plan while traveling. Until now most people only bought a travel insurance policy if it was made compulsory by the country where the individual was traveling.

However, with time this concept is changing and more people have realized that even if the destination country does not make travel insurance compulsory, it is important to have the same. There are many benefits that traveling insurance in India offers its customers. Each of these plans is designed to give customers the ability to deal with all kinds of travel problems without any worries.

Apollo Munich offers travel insurance plans that enable customers to deal with travel problems easily. There are many extra benefits with their plans such as a 24/7 travel helpline for customers to call whenever they face problems.