Health Insurance From KABIA

Health insurance is a type of medical insurance policy which covers medical expenses, pre-and post-hospitalisation, daycare facilities, surgeries, etc. Insurance providers extend cashless treatment facilities at network hospitals or reimburse the cost of the medical expenses incurred by the insured individual at other places medical insurance. There are various health insurance plans available in the market such as family insurance plans, health insurance for senior citizens, group health insurance, maternity insurance, and the insurer extends various benefits based on the policy one opts for. Therefore, individuals must compare the policies online and choose the ones that suit their health requirements.

Key Features & Benefits of Health Insurance

Features	Specification
Sum Insured	Rs. 5 lakhs to Rs. 1 Crore
Maternity Cover	Covered* (Depends on the plans)
Pre & Post Hospitalisation	Available
OPD Cover	Available
ICU Charges	Covered
Tax Benefits	Available
Pre-existing Diseases	Available
Day Care Procedures	Available
Ambulance Cover	Available

Cashless Treatment

With health insurance, you can stop worrying about arranging funds for treatment, thanks to their cashless facilities. You can visit any network hospital to access this benefit.

Pre- and post-hospitalisation expenses

Medical insurance include both pre-and post-hospitalisation charges. You can have coverage of up to 60 days before admission to a hospital and 180 days following the discharge. Many health insurance policies also cover daycare expenses if required for the treatment.

Ambulance Charges

Health insurance plans also include ambulance expenses for taking the policyholder to the hospital, if and when needed.

Medical Check-up

A mediclaim policy often includes covering the expenses of routines and periodic health check-ups. Certain insurance policy providers also provide free health check-ups to their customers.

Income Tax Deductions

As per the Income Tax Act of 1961, you can get tax exemptions on premiums paid for managing medical insurance plans

PLANS

Description

Individual health insurance policy

Only the individual/insured person under the individual health insurance plan is entitled to the benefits and can claim the sum assured under the policy.

Family floater health insurance policy

You can cover all your family members with a family floater health insurance policy under a single plan. The sum insured under the chosen plan applies to all the insured family members in the policy. It can be used entirely by one member or multiple people in the active policy year.

Group/employee medical insurance

Group/employee health insurance policies cover your employees' expenses against unforeseen medical emergencies. The premium of group health insurance plans is generally lower than average and offers comprehensive coverage for medical expenses.

Health Insurance For Senior Citizens

Individuals 60 years and above can avail a medical insurance for senior citizens plan designed to cover medical care expenses. Such health insurance plans generally need you to undergo a medical check-up before you can avail of the plan. The premium for this plan is usually lower than usual.

Critical Illness Insurance

A critical illness policy will protect you against expenses arising from treating severe or life-threatening diseases. It is taken as a standalone insurance policy or as a rider for treatments of critical illnesses like cancer, kidney failure, heart attack, etc. best critical illness insurance policies offer a considerable amount as compensation to the policyholder for expenses that fall in the ambit of this plan.

Personal accident insurance plan

Personal accident insurance protects you and your family from expenses incurred from an accident that may lead to death, disability, injury, and other unforeseen situations. personal accident policy can be purchased independently or as a rider to an already existing policy.

Maternity health insurance

Maternity Insurance provide complete health and maternity care coverage to expecting mothers and their newborn babies. From the hospitalisation of the pregnant woman to normal or C-section delivery costs and vaccination of the newborn, this plan covers you all against any medical.

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