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How To Opt Health Insurance Policies

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As we know that , health insurance play a vital role in our life. How to opt health insurance polices?

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How To Opt Health Insurance Policies

  1. 1. Health Insurance
  2. 2. In short, a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured. Always opt the best health insurance as per the need of the individual or family.
  3. 3. Health insurance covers (depends on plans):  Cashless treatments (through a network of hospitals)  Hospitalization expenses including ambulance charges  Free medical check-up (through a network of hospitals)  Critical illness/ Accidents/ Pregnancy
  4. 4. Some common types of health insurance:  HMO – Health Maintenance Organization  PPO – Preferred Provider Organization  PoS (Point of Service)  High Deductible Health Plan
  5. 5. HMO – Health Maintenance Organization  Allows you to choose a primary care doctor from a network of healthcare providers  In case of specialist care, your primary care doctor will refer you to other specialists  No deductible  Low cost and co-payment amount
  6. 6. PPO – Preferred Provider Organization  Allows you to have the entire network of healthcare providers at hand  Plus doctors outside the network  There are some deductibles  Deductibles increase when you consult with doctors outside the network. So does the cost!
  7. 7. PoS (Point of Service)  Allows you to choose a primary healthcare provider from the network  When necessary, you will be referred to specialists within the network  Shares the stipulations of both HMO and PPO  Low premium but high deductible  Deductibles can be even more higher when you see doctors outside the network. So do the copayment amounts!
  8. 8. High-Deductible Health Plan  High deductibles but the premium to be paid is low  Need to manage the expenses incurred for routine checkups on your own, until the deductible amount is met  Once the maximum deductible is met, you will start enjoying the coverage
  9. 9.  Why To Opt health insurance? -Health or medical insurance can help you out in paying large medical bills, which can take a toll on your future. -To secures your ‘now’ and ‘future.’ - Free Medical Check ups and maintain a healthy life. - ‘Good things come in small packages’ - Cashless mediclaim policies help for the treatment without having to expend anything.

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