Know The Best Way To Choose Your Health Insurance Policy And Decide Its Premium

Everyone loves to customise everything they own – their personal gadgets, products and clothes. Why should a healthcare policy not be customisable?

Today, customers can customize their healthcare plan, setting the medical insurance premium by selecting covers according to their needs, thanks to this flexibility.

My Health Care Plan includes essential coverages such as inpatient hospitalization, pre- and post-hospitalization costs, modern treatment methods, organ donor expenses, maternity packages, baby care, OPD, home nursing, airlift, and cumulative bonuses.*

The plan covers pregnancy costs for the insured member, the surrogate mother, and complications from assisted reproductive procedures or techniques during pregnancy.     *

Another noteworthy feature is the built-in Baby Care cover, which covers the newborn child until policy expiration, including consumable or non-medical costs up to the chosen Sum Insured (SI)..

If the treating physician suggests a nurse for the policyholder’s post-hospitalization care, the policyholder will be compensated for a weekly nursing amount under the Home Nursing Benefit. The policy’s Plan 1 includes three additional optional coverages: loss of income coverage, major illness and accident multiplier coverage, and overseas coverage. If the policyholder needs emergency care anywhere in the world, it will be covered by the international cover.*

Our country is recognised for its variety, where demands vary from person to person. This enormous diversity has allowed us to innovate and carefully select our product choices so that health insurance is available to every home in our nation. With “My Health Care Plan,” we aim to provide diverse coverage options, allowing customers to choose what suits them and their families.* . We will offer several plans under this product in stages, starting with Plan 1, which allows the consumer to package their policies to meet their needs.

“This product’s modularity is based on necessity, and you only pay for what you want in your policy, which is where its beauty resides. Since the insurance industry is always changing, customers cannot be given a one-size-fits-all solution. We’ll keep prioritizing customer-centric products to ensure access to quality healthcare and dignity through health insurance.

Sum Insured (SI) choices are available through My Health Care Plan up to Rs 5 crore. The policy has a policy term of one, two, or three years and is available as an individual and floater. Monthly, quarterly, half-yearly, and annual premium payment options and a lifelong renewal option are offered. Make sure you compare health insurance plans before you buy them.

Understanding how to select the right health insurance policy and determine its premium is essential for securing comprehensive coverage while managing costs effectively. By carefully considering factors such as coverage needs, deductibles, network providers, and policy terms, individuals can make informed choices that align with their specific healthcare requirements. Additionally, taking advantage of available customization options and seeking guidance from insurance professionals can help tailor policies to suit individual preferences and budgets. Ultimately, a well-informed decision can provide both financial security and peace of mind when it comes to managing healthcare expenses and ensuring access to quality medical services.

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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