Introduction: 

Healthcare expenses are increasing at an alarming rate. To fight with that healthcare policies are extremely important nowadays. This content deals with various healthcare policies so you know what and how to choose the best policy for your critical needs.

 

What is Health Insurance in India:

A health insurance policy is a scheme that provides financial assistance in medical emergencies.

 

The health insurance company stretches its assistance to cover medical expenses in a time of need. However to avail of this benefit, one has to pay a certain amount or premium to the company previously. Sometimes health insurance agents work as a mediator between the company and the customer to provide this benefit.

 

Types of Health Insurance Plans in Kolkata, India:

Various types of Health Insurance are available in the market, based on the customer’s needs. Some of them are described below:

• Mediclaim Plans:

One of the most availed health insurance plans is a mediclaim or hospitalization plan.

 

Any of the health insurance advisors would like to recommend this plan. This key covers the expenditure of the treatment when the policyholder is admitted to the hospital. The treatment bill will be deducted from the premiums already paid under the scheme.

• Family Health Insurance Plans:

Unlike the previous plan, this scheme of health insurance covers all the family members under its umbrella. If any policyholder pays a certain amount of premium regularly, this health insurance provides benefits for all the family members. If any of them has to face medical expenditures, this plan pays it on their behalf.

• Critical Illness Insurance Plans:

Some health insurance plans are only for life-threatening diseases. The key distinction here is that such diseases may require long treatment or even frequent hospitalization. Under this plan, the customer is given the choice to choose which ailments will be chosen under the plan. After that, all bills of hospitalization including medicines are covered in this instance plan.

• Senior Citizen Health Insurance Plans:

As the name suggests this plan covers economic benefits only for the senior citizens. These people generally have frequent health problems, hence they need uninterrupted financial support. These types of health policies are made to cover related health problems, some existing health issues, or any accidents met by senior people.

• Individual Health Insurance Plans:

An individual health care insurance plan is made for a single person- either the customer himself or any individual in his family. Under this insurance plan, all types of medical expenses are covered for that individual. Operations, medicines, tests, and even consultation with doctors come under this.

 

• Accidental Health Insurance Plans:

Personal accident insurance plans fully cover financial protection for any health-related issues caused by an accident. Such plans are only for an individual or the policyholder. All the costs like medicines, surgeries, hospitalization, ambulance, and other expenses come under this.

 

• Group Health Insurance Plans: 

Group health insurance plans are the direct opposite of individual policies. Group health insurance can be purchased by any member of a group for a large number of individuals. This policy covers all the members of the group. In general such plans only cover basic health issues.

 

• Maternity Health Insurance Plans:

Maternity health insurance covers medical assistance during the maternity period. This plan generally covers the expenses of an individual. The expenses related to pregnancy, childbirth, hospital charges, and newborn baby complications are covered under this plan.

How to Buy Health Insurance Policy in Kolkata from Grow-Well:

To buy a health insurance policy from grow-well, the policyholder should visit our website. From here they can directly purchase any plan suitable for him. Otherwise, we also provide the best health insurance agent in Kolkata who’ll understand your needs and suggest a plan according to that.

 

Benefits of Buying Health Insurance Policy in Kolkata from Grow-Well:

There are innumerable benefits to buying health insurance plans. It can be a golden decision in your life. Some benefits of buying a health insurance plan from grow-well are mentioned below:

 

• Critical Illness Cover:

Grow-well provides exclusive benefits for critical illnesses at an additional discount. Some health problems can be very expensive for an individual to deal with. However grow-well provides its assistance even in chronic illness or expensive medical expenditure.

• Added Protection:

Grow-well is your best health insurance advisor who’ll provide you extra protection at the time of need. Grow-well gives you benefits to choose plans for individuals, the family, or even the group members. These covers are lifetime so act as a protector of life challenges.

 

• Tax Saving:

The best thing about health insurance plans is that premiums paid for the insurance come Under Section 80D of the Income Tax Act, of 1961. So the premium that a policyholder is paying is completely tax deductible. This is a great thing not to have any extra burden on your budget.

 

How to Select The Right Health Insurance Plan for You in Kolkata, India:

Choosing the right insurance plan among several other schemes available in the market is confusing. A health insurance agent can guide you in choosing the plan that provides the right coverage according to your needs. Such plans must suit your budget and provide lifetime coverage.

• Total Insured Amount:

Before choosing a health insurance plan, check out how much amount you’re getting as the cover against your premiums. Also, make it clear if all your needs are being taken care of under this total cover-up. A good health insurance advisor will let you know which cover will be best for you.

• Waiting Period:

When your policy matures you have to wait for a certain time before raising your claim. This time span is called the waiting period. This waiting period differs with different plans and service providers. With some insurance companies, you can raise claims within no time, and with some, you have even wait for a few years. So check this out before going for any particular plan.

• Health Insurance Coverage:

Your Health insurance advisor in Kolkata will suggest different health insurance which offer different coverages under different circumstances. But try to go for that particular insurance that will be in sync with the chronic diseases of your family. You should also look for those coverages which you think have a high chance of developing in future.

• Ultimate Limit:

Health insurance policy includes the cost of treatment, hospitalization cost, and medications. However, this expense has a limit based on the premium paid by you. Some insurance policies offer different plans to suit your limit. So have a keen eye on the plan that will be suitable for you.

• Plan Flexibility:

Your Health insurance agent in Kolkata can offer you various options to add your family members of different numbers within one policy. Based on your needs or situation you can find out which plan will fulfill your requirements. This will bring you and your family under one safe umbrella.

• EMI Facility:

If you feel that paying a premium is a concern to you then you can go for such type of health insurance which facilitates EMI also. Then you do not have to worry about paying a lump sum at a time but you can divide the amount in affordable installments. By contacting the best health insurance advisor in Kolkata you can get to know about such insurance policies.

Conclusion:

In a nutshell, health insurance policies are very crucial for unforcing events to manage. With the best health insurance policy beside you, you can manage the challenges with ease. At Grow-well we provide the best guide for you to choose an effective policy to meet your needs.