Healthcare Insurance—A Need for All

Health is one of the valuable assets. It is said that good health is the best human blessings. A person can enjoy life, only if he/she is healthy. Good health helps a person to be active and vigorous. Hence, everybody tries to adopt a healthy lifestyle. Someone keep his/her body fit by practicing at gym. Someone prefers morning and/or evening walk and so on. All these are various preventive means to stay healthy.

But, if a person comes across any sudden mishap, he/she may require quality healthcare treatment. There is no doubt about the progress made by medical science. There is cure for every disorder in human’s body, but the mounting medical cost becomes the matter of concern. It is believed that medical cost is expected to show incredulous hike, and thus, will become difficult for the common man to pay for the same.

Looking into this new issue, various healthcare insurance providers have turned up to offer the required solution to eradicate inconveniences from quality medical treatment. An individual can buy healthcare insurance and can seek treatment in any registered hospital.

An insurer gives an insured the facility of cashless hospitalization for the treatment against covered peril in any network hospital and the facility of reimbursement for the treatment availed in non-network hospital. Besides it, there are many healthcare solutions that keep a person healthy.

Thus, healthcare insurance is becoming a need for all. Apollo Munich, a joint venture between the Apollo Group of hospitals and Munich Health, is a pure health insurance company that has brought many healthcare insurance plans. These are well designed, looking into healthcare needs of people. There are plans for people for all income groups. A person can choose the one, as per his/her needs and budget.

So, buy health insurance and enjoy life to a greater extent.

Medical Treatment Made Easy With Health Insurance Services

Health insurance is a contract between a health insurance company and a policy holder, wherein which former promises to offer health or medical cover to later, who is required to pay a certain amount of money for the specific time period. Health Insurance in India is not a developed sector, as very less number of people in India is insured. Majority of people belong to a pool of uninsured individuals and thus, is not able to avail quality medical treatment using health insurance services in India.

When an individual falls ill, the biggest problem, besides difficulties, that he/she or his/her family has to face is not the treatment, but instead the treatment costs for the same. Medical science has cure for almost every disease. The updated technologies used in treatment of these diseases have made it so expensive that people could not afford them.

The only way to make medical treatment affordable and accessible is health insurance. There are many health insurance companies in India that are working with the aim to offer the best health insurance services so that Indian citizens do not fail to get quality healthcare solutions in times of emergency. These products and offerings

Apollo Munich, a joint venture between the Apollo Group of hospitals and Munich Health, has emerged to demystify health insurance so that people could understand the benefits of health cover and could buy the same. The company has a team of professionals that work to identify healthcare needs of people and then, design their products accordingly. It has brought several products—Easy Health, Easy Travel, Optima Cash, Maxima, Individual Personal Accident and Insure Health. Each of these products offers health insurance services to people at different situations of life, such that insured individual are not deprived of quality medical treatment.

So, buy health insurance and enjoy life to a greater extent.

Online Health Insurance: Quick and Safe

The concept of online health insurance has surged mainly as a relief to people who want insurance but do not have any time to buy it. Mediclaim plans can be bought online without any hassles and can be renewed over the Internet thereafter. Using these policies is just the same as using a plan you would have bought through a broker. However, when a company provides online health insurance, there is usually a comprehensive website designed to assist customers and policy holders through every stage of insurance.

Whether you want to look for a policy, or buy a plan, or fetch a claim form, health insurance company websites have it all. Most insurance providers have a website that is designed to give the customers complete access to various policy documents—brochures, claim forms, policy wordings, charts, etc. There are also companies that provide the customer with the option of comparing medical insurance plans.

The online health insurance sale or renewal portal is generally a secure portal where the customer can fill the form and make the premium payment without worrying about the security of the information. The best way to make certain that the insurance websites are safe is by making sure that the gateway has been secured. A secure gateway would not save your credit card details (such as your CVV number or password).

With the security and convenience of time and place, it is no surprise that online health insurance is picking up pace quite fast. The concept has lead to a growth in the number of insurance companies that have online portals as well as the number of online insurance comparison websites. Apollo Munich Health Insurance also provides customers with a simple online premium calculator as well. The company has an interactive website that allows users to find anything they need to know about the insurance plans as well as picking the right insurance policy.

Health Insurance is a Must for Good Quality Healthcare

When people have a good insurance policy, they tend to become relaxed about their healthcare needs. People know that they are going to need healthcare and assistance and therefore they plan well in advance for the same. One should always remember that they may eventually need to use the plan and therefore should be well-versed with the terms and conditions of the plans. Even the best health insurance policy is likely to have some limitation or exclusion.

There are some people who have a number of health insurance plans because they cannot figure out which is the right one to pick. However, this also means that these individuals would have an abundance of wealth and therefore are able to buy many plans. This is not the case with most people. There are very few people who have enough money to get even one policy. This is why picking the right plan is important. With healthcare costs constantly on a rise, it is no wonder that everyone, regardless of their financial status should have a mediclaim policy.

The benefits of various health insurance policies are different. While there are some insurance plans that provide cover for inpatient expenses, there are also others that provide protection for outpatient costs. A few health insurance policies protect individuals from additional healthcare expenses such as the costs incurred to keep a nurse or attendant, or any other expenses over and above the insurance cover. These plans are generally referred to as daily cash plans. There are also several plans designed to give people just a basic medical cover, in case they cannot afford a more extensive one.

Apollo Munich, one of the few stand-alone health insurance providers gives people complete protection from medical problems. In order to be able to get good healthcare, one must have a good health insurance plan.

You Need Health Insurance—Regardless of your Age

There are a number of people who wonder when they would actually use a health insurance policy. A large number of people feel that serious ailments only strike aged people. But the facts are quite contrary. When even children who are less than 3 can suffer from some of the most complex ailments, then how can a teenager or a person in their early 30s presume that they are immune to any illness?
One should never presume that they are invulnerable to any ailment. This means that everyone, regardless of their age needs to have health insurance. The main aim of a health insurance plan is to ensure that a person can get treatment whenever needed. Parents have to make it a point to get their new born babies covered since day one. Although most insurance plans have a restriction of the entry age, one can still find plans that do not have such hurdles.

There are many health insurance plans that provide the policy holder with coverage from maternity expenses as well as cover for the new born child. However, while it is the responsibility of parents to ensure that babies are well covered, it is also the duty of adult children to ensure that their parents remain covered, regardless of age. This is possible if a person has a policy that can be renewed life-long.

Another group of people who need to keep a check on the fact that they are covered are people who can no longer remain dependants of another individual. This group mostly consists of young adults. Due to dependant age restrictions, one cannot stay protected by their parent/guardian’s policy after a certain age. These individuals tend to stay without any health insurance for quite a while thereafter. Apollo Munich ensures that there are plans designed for all the various age groups. With different benefits and cover amounts, it becomes relatively easy for the individual to pick a plan of their choice.

Don’t Take Corporate Health Insurance For Granted

There are a lot of times when people use a corporate health insurance policy, but simply forgetting that it should not be taken for granted. When an employer provides medical coverage, it is only valid on condition that the person remains an employee. The flip side of this is that when the employee either leaves or gets fired from the job, they and their family would be left without any kind of medical coverage. The difficulty is that when a person has a policy, they do not understand how things would be different without the plan. The significance of the mediclaim policy is not understood by a lot of people, even after using the policy.

When an individual is admitted to hospital, and has a corporate health insurance policy to cope with the bills, the expense of the treatment is hardly felt by the insured patient. But, when the same person under the similar situations is hospitalized without a medical insurance policy, the pinch of the financial requirements is really felt. The expenses of healthcare are so high that people cannot afford them alone. Again the person would not understand the distinction between the corporate health insurance plan that the employer offers, and a personal health insurance plan.

The main difference is that the premium of a personal policy is paid by the policy holder while that of the corporate plan is paid by the employee. Even when the premium for corporate policies is charged from employees, the expenses are much less than personal policies. But, the efficiency of the policy is the same.

The ideal step to take is to have a corporate health insurance policy and the get a personal plan at the same time. Companies like Apollo Munich offer corporate plans and individual plans of a high quality. One can read the coverage offered and the exclusions of the plans on the company website.