Individual Health Insurance Plans
Health Insurance In Chandigarh
Your own health should also be prioritized and you can do so by buying individual health insurance. Bhalla Insurance is the best health insurance in Chandigarhthat provide health insurance companies in Chandigarh. It provides medical coverage to a single person and is a type of health insurance plan that needs to be purchased separately for each family member you want medical benefits for. You can choose the maximum coverage as per your health needs. Most individual health insurance plans provide comprehensive coverage to an individual for emergency medical expenses resulting from hospitalization costs, day care procedures, road ambulance services, alternative treatment, organ donor expenses, etc. HDFC ERGO Optima Secure can be the one-stop solution for your health. A comprehensive network of hospitals and superfast processing ensures that you get the best treatment and treatment costs within minutes.
How Does an Individual Health Insurance Policy Work?
Health Insurance In Chandigarh
When an individual health insurance is purchased, the policyholder gets into a contract with the insurer. The agreement mentions that the insurer will cover your healthcare costs as per the sum insured, and according to the policy terms. In return, the policyholder has to pay premium regularly.
For example, you have purchased the best health insurance policy with a sum insured of Rs. 10 lakhs. After buying the policy if you are hospitalised, the insurer will be responsible to pay the hospital bills as per the terms and conditions of the policy.
Now, suppose the hospital bill was Rs. 4 lakhs. Your insurer will settle the bill with the hospital, and now your sum insured for the year will be reduced to Rs. 6 lakhs.
Am I eligible to buy a Health Insurance Plan
Health Insurance In Chandigarh
Often, when we you think of buying a health insurance plan, the first thing that may come to your mind is that whether I am eligible to buy this health insurance plan? Will this particular medical insurance plan require some medical treatment tests? Alternatively, do I have to fulfil age criteria before signing up for health insurance? These questions pop-up quite frequently, however, these days when you try buying a health insurance plan online, in a snap you can check your eligibility before buying a particular health insurance plan in India.
Key factors that decide your eligibility for buying Health Insurance Plans
1. Previous Medical Conditions / Pre-Existing Illnesses
While buying a mediclaim policy, you have to be honest enough to declare all your pre-existing illnesses. These illnesses need not be your usual fever, flu, or headaches. However, if in past you have ever been diagnosed with any disease, birth defects, undergone surgery, or cancer of any severity it is important to inform your medical insurance company. Because, many ailments are listed under permanentexclusion, few are covered with a waiting period and few others are covered by charging additional premium with a waiting period.
2. Age
If you are above 18 years of age, you can easily buy a care health insurance for yourself. We also cover newborn babies but the parent needs to have a mediclaim insurance policy with us. If you are a senior citizen,you can get yourself insured upto the age of 65 years.
Why Buy Individual Health Insurance Online?
Health Insurance In Chandigarh
Convenience
You can sit on the couch lazing around and browse through the internet and look for different plans. You save your time and effort by visiting an insurance company’s office or an agent visiting your place. You can make secured transactions from anywhere and anytime. Also, the policy wordings are available online for you to read the fine print to avoid any last moment surprises.
Secured Payment Modes
You do not have to pay premiums in cash or cheque for your health insurance plan! Go Digital! Simply use your credit/debit card or net banking services to make payments online through multiple secured payment modes.
Instant Quotes & Policy Issuance
You can instantly calculate the premium, add or remove members, customize plans, and check coverage online at your fingertips to buy a health insurance plan online.
What You See is What You Get
You no longer have to wait for the physical health insurance policy documents. Your policy PDF copy comes right into your mailbox as soon as you pay the premium online and you get your policy within a few seconds.
Wellness & value added services at your finger tips
Get access to your policy documents, brochure etc in our my:health services mobile application. Download our wellness application to book online consultations, monitor your calorie intake and keep a track on your BMI as well.
How Much Individual Health Insurance Coverage Should You Have?
Health Insurance In Chandigarh
If you are purchasing health insurance for yourself, then you probably should opt for a coverage amount equivalent to at least half of your annual income. For instance, if your annual income is Rs 6 lakh, then you must opt for a health insurance cover of at least Rs 3 lakh.
But, healthcare costs have increased enormously in the last few years. Hence, opting for a lower health cover, even if it is equivalent to 50% of your salary, may not be sufficient. So, insurance experts advise people to opt for a minimum health insurance cover of Rs 5 lakh to cover their medical expenses and medical emergency comfortably.
Additionally, if you buy insurance in your early 20s, the chances of raising a claim are lower and because of this you will be able to increase your sum insured at no extra cost with the help of a cumulative bonus on every claim-free year.
If you want to do a cashless treatment by private hospitals then contact Bhalla insurance who provides cashless services and cashless network hospitals without any claim rejection because Bhalla insurance is the best health insurance in Chandigarh. Our contact details are + 91 9355524111.