Best Health Insurance Policies & Plans for Senior Citizens in India

“Health, Medicare, Hospitalizations” – Since last nine months, the world, including India, has been battling Coronavirus, and these three words are invariably now a part of most conversations. 

COVID or No-COVID, health challenges in our country, the need for adequate healthcare for all and relevance of health insurance are not being highlighted for the first time.

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Things To Know Before Securing a Health Insurance Plan

Are You Finalising a Health Insurance Plan? Do you know that over 5 crore Indians move below the poverty line every year due to insufficient financial medicare protection and only 5% claim to have suitable health covers per their age, family status and location? Are you aware that corporate or group insurance plans are usually in the single-digit lakhs and they are often not enough for your family of four?

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Rising Healthcare Cost In India: Affordability & Preparedness

Healthcare facilities in India have considerably improved, and the country is often described as a “Pharmacy Bowl” of the world. Progress has been made. Continuous efforts are being channelized to improve the affordability and quality of medical care for the 1.25 billion+ population; however, substantial challenges, including the rising healthcare cost, remain insufficiently addressed.

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Puzzled by the Terms in Health Insurance? No Worries!

This is Sania’s story, but it could be anyone of us in her place. Sania needed hospitalization and was advised complete rest. However, she could not rest in spite of having a good health insurance policy. Why? She was clueless when she was asked to pay a percentage of her bill. Instead of taking the much-needed rest she stressed herself by worrying about the payment. The hospital authorities were simply asking for co-payment that was to be paid while availing treatment. The misunderstanding was a clear reflection of the situation: ‘She had not understood the terms of the policy she had bought.’

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Why do Cashless Health Plans work better?

This happened a few years back. Dilip, a professional had to be hospitalized for health issues. The best part of the story is- he was covered under a suitable health plan, so was financially protected, though, at the time he had to pay from his pocket. A twist in the story came when he spent his limited energies and valuable time after the illness in getting the reimbursement for his claim. How he wished for some magic to happen and hospital costs to automatically return to his empty pockets!

Today, this magic is here in the form of cashless hospitalization feature in your health Insurance plan.

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