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What are Non Medical Expenses in Health Insurance?

Health Insurance

Pre-Existing Disease Cover in a Health Insurance Policy

There are numerous advantages of buying a health insurance policy. It provides financial security in the event of medical emergencies, provides protection, offers an affordable alternative to costly medical expenses, and, lastly, it guarantees that you do not harm your health due to lack of funds. Similar to the numerous advantages of health insurance, it also comes with specific terms and conditions, and one of them is insurance coverage for pre-existing diseases. Sanjay Kumar runs a hardware store and lives with his wife and kids. Though he is aged 45 years, he hasn’t taken any health insurance policy so far because of his pre-existing conditions, which might cost huge premiums. Sanjay is a diabetic and suffers from high blood pressure, because of which, the premiums quoted by most top health insurers were on the higher side. Although, he could still purchase health insurance plans for pre-existing conditions even if he has a medical history. Still, Sanjay feels the premiums shall climb upwards in the future owing to his state.  

Health Insurance

Know Everything About How Health Insurance Claims Work in India

The best thing about health insurance – a policyholder’s right to make claims for healthcare costs to the insurer. Here we discuss everything about the claim-making process, the types of claims there are, and how they can help you in case of a medical emergency. The whole purpose of buying a health insurance policy is that it allows you to cover your medical costs when you need to undergo a treatment at the hospital. This means that you don’t need to burn a hole in your pocket with expensive treatment costs and ever-rising doctor visits and tests, each time you’re diagnosed with a health condition. Your health insurance company takes care of that for you. How? By settling something called a claim in health insurance. Here we will talk all about health insurance claims. But first let’s refresh our understanding of a health insurance plan and its importance for you and your loved ones.  

Health Insurance