Health Insurance Company In India

Sunday, January 2, 2011

Online Health Insurance Company

There is much patience required in waiting for someone to come to talk about the product, one needs. This is what the job of agent is, but sitting next to him listening to various available plans is not so easy. It is must to understand each and every term and condition. But, now the scenario has been changed. Thanks to internet that has brought a revolution in the whole world. Now, an individual can get online health insurance plan, after the complete search, as per his/her convenience.

Today, every notable health insurers have brought this facility, making it easier for their customers to issue the policy in just few click of the mouse. This helps them in keeping themselves away from meeting with agents. An individual can issue online health insurance policy at any time of day or night, as per his/her convenience.

Apollo Munich, a joint venture between the Apollo Group of Hospitals and Munich Health, has also given this privilege to its customers to buy online health insurance and renew the same online. There are separate links of ‘Buy Online’ and ‘Online Renewal’, each of which directs an individual to their respective portals. It is a user-friendly tool that issues policy instantly.

Family Health Insurance - a protective cover

There are many people who have health insurance from their employers and thus, they don’t feel the need of family health insurance. But, truly speaking it is always advisable to have family health insurance, besides the one offered by the company. There are several reasons for the same.

One of the biggest is that there is no pre-policy benefit that a person can avail with these group health insurance policies. Secondly, employer’s coverage ends up when a person leave his/her job. It is quite natural that by the time waiting period will elapse, a person will go ahead with a new job and will avail benefit under the different plan; this will keep him away from the benefits of the previous policy.

But, in family health insurance, one can get all these benefits on continuous renewal. Once waiting period is over, an insured can get coverage for all diseases. Thus, he/she would be able to enjoy the larger coverage.

Apollo Munich offers best-in-class family health insurance plan. Its Easy health plan is a wonderful plan that can be purchased at the rate of just few rupees per day. It offers complete coverage with a long list of benefits and facilities.

Everybody wants to have best health insurance

Everybody wants to have best health insurance product. But what is the right way to decide, which product is the best?

It is said that the best health insurance is a plan fulfills most of the healthcare needs of a person. Everybody has its own healthcare needs. Hence, the plan that is best for one cannot be for the other, until and unless they have same healthcare needs.

It is advisable that a person should keep all his/her healthcare needs in mind at the time of selecting the best health insurance. One should shortlist plans that fulfill an individual’s needs, compare their quotes and then, look into the reputation of the provider. One can know about company’s reputation through market reviews and testimony.

Apollo Munich is one such provider in this field that has emerged with the aim to simplify health insurance and has gained much popularity in very short span of time of three years. It has brought several health insurance, accident insurance and travel insurance products to offer coverage to people’s health issues. Besides it, it is the first provider to bring the facility of lifelong renewal with health insurance products.

ApolloMunich -- a joint venture

Nowadays, one can easily see there are many new players entering into the field of health insurance. Many of these are joint ventures between an Indian healthcare organization and a non-Indian Company. One of them is joint venture between the Apollo Group of Hospitals and Munich Health. Apollo Group of Hospitals is an extensive chain of hospitals, well known for providing the best healthcare services to their patients. On the other hand, Munich Health, new business segment of Munich Re, looks after healthcare insurance operations in Germany.

Apollo Munich, working under the supervision of both these partners, is trying its best to demystify health insurance for the people of India. The company promises its customers to take the fear out of faces, the jargon out of words, the bitter out of medicines, the confusion out of claim and the trouble out of treatment. To ensure that people stay away from complication, the company has well thought products with easy and simple policy wording. It also helps people to make right choice.

Apollo Munich ahs brought several health insurance, accident insurance and travel insurance products to offer coverage to people for health issues arising due to sickness, accident and traveling respectively.

Accident Insurance - everybody should buy

Accident insurance policy is one of the products that everybody should buy in his/her life. These insurance products offer compensation amount, when an insured meets an accident. A person should not forget that an accident can change lifestyle to a great extent. It does not only affect the earning capability of a person, but also may also become a cause of financial stress, under which all family members suffer.

It is, therefore, advisable to buy accident insurance so that family members can stay away from financial issues that arise due to expensive medical treatment. These plans work on the principle of benefit. An insured gets lumpsum amount, which depends upon the extent of bodily injuries and the terms and conditions of the plan, for the injuries incurred due to accident.

Apollo Munich’s individual Personal Accident Insurance plan is the best-in-class product that is designed, keeping healthcare needs of people in mind. It offers wide coverage at reasonable rates. It pays for compensation amount in case of death and disablement of an insured, besides offering coverage to bodily injuries, as per the plan’s terms and conditions.

This plan is available in two variants—Standard and Premium. Premium variant offers wider cover as compared to standard variant.