Are You Covered? Hassle Free Health Insurance Plans Online!

Bajaj Capital Insurance

Health Insurance is available for every person having the max age of 80 years depending on few conditions. However, choosing the right cover is a scary task for most of people. Many of you prefer to go hospital without the appropriate Health Insurance plan. You generally think that health insurance premiums are not easily affordable. However, market is full with affordable and appropriate health insurance offering. You just have to choose the right one. However, before making any insurance purchase you have to know the product in detail.

Depending on the type of Health Insurance plan, you may be responsible for paying different percentage of your medical bill.

If you are looking for a quick, hassle free health insurance plan you must be know all about the health insurance.

What is Health Insurance?

This is compensation against the loss due to ill health.  Health insurance is a type of insurance coverage that covers the cost of an insured person's medical expenses.

Why Should I Buy Health Insurance?

No one plans to get ill but most people needs medical care at some stage of life. Health Insurance covers these costs and protects you from such very high expenses.

When Should I Buy Health Insurance?

It depends upon to the requirement. It always better to have insurance plan at early stage of life. For example- The waiting period under maternity insurance varies from 12 to 48 months. A new policy cannot provide cover for already pregnant women.

What does the health insurance plan cover?

Health insurance plan generally covers hospital expenses, general treatment cover etc. There is different kind of cover that offers different benefits.

What are types of health insurance plans?

·                Individual Health InsurancePlans

·                Family Health Insurance Plans

·                Senior Citizen Health Insurance

·                Critical Illness HealthInsurance

·                Top Up Plan

   What are the policy riders?    

Standard health Insurance policies leave little room for customization. Policy riders provide additional benefits separately from the basic policy.  Riders help policyholders create insurance products that meet their specific needs.

What are top up plans?

Additional plans to enhance your current health insurance, providing you with better coverage and greater benefits. They are a spare to your health reimbursement policy after you exhaust the sum insured limit.

Should I go Online for Health Insurance Purchase?

For getting the competitive insurance premium with appropriate coverage, comparison of the health insurance plan is very important. However, the offline insurance comparison is a very scary task. Online insurance comparison is the most effective way to get the best health insurance quotes. Comprehensive online insurance portals as Bajaj Capital Insurance provides best insurance quotes from the top insurance companies with the complete policy details. www.bajajCapitalInsurance.com also cares their clients for online health insurance purchase and assists them in the claim settlement process.

World Diabetes Day is celebrated on November’14, Let us work towards diabetes prevention.

We as an Insurance Brokerage Firm have been always guiding our clients on importance of preventive cure in avoiding / keeping diabetes under control. Buying Health Insurance does not mean that we can neglect our responsibility of preventive care .It was interesting to see an informative article on diabetes prevention in Mint-Nov 12, 2013. According to it:

Eating of following:

• Apples and Avocado
• Jamun ( fruit)
• Karela (vegetable) Bitter Gourd
• Beans
•  Barley
• Cinnamon
• Walnuts
• Egg whites
• Pumpkin seeds
• Green tea
• Grapes
• Fenugreek
• Take in more vitamin C like Oranges, Strawberries, Amla, Lime and Broccoli
• Take diet full of green vegetables and fruits
• Kiwi
• Vinegar
• Salmon

Do not eat / avoid as far as possible

• Trans fats 

Reduce consumption of following significantly or bring it near to zero

• Sugar / sweets
• Alcohol
• Animal protein i.e. Chicken etc.

Do

• Walk in the morning for 60 minutes, if possible bare foot on grass
• Practice Yoga
• Zero in on your weight
• Regular exercise
• Meditation

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• Healthy habits of healthy people around you and translate them into your life

We appreciate the focus of Mint on guiding it’s readers with such informative articles.

Top Tips on Buying Health Insurance Online

Bajaj Capital Insurance

Health Insurance has become necessity today, especially in the view of rising health care cost at busy hospitals.

However large number of people still prefer to go hospital without the “Health Insurance” as they assume they cann’t afford the health insurance premium.  Thus, if you are looking for cheap and best health insurance cover, here are few top tips on buying health insurance.

·         Compare Health Insurance:  Compare health insurance premium from the top insurance provider to get the best premium. Comprehensive online insurance portal provides advantage of being able to compare policy combinations from across the best insurance providers.

·         Give your current hospital cover a healthy check: Market is full with best health covers so you have options of switching funds. If you think, your current insurance plan is not as per your need you have options to switch your insurance provider depending upon the few conditions.

·         Review your extras: Many consumers opt for extra covers, which they really did not need. These extra increases your insurance premium. So make sure your cover satisfied your requirement and the cost of the cover is competitive.

·         Best matched health policy:  Match the Health Insurance policy to your needs. Make sure that your insurance policy covers you for all the services that you need. This will surely reduce your out of pocket expenses.

·         USE Bajaj Capital Insurance: Bajaj Capital Insurance takes care of all the clients for health insurance purchases and claim settlement. In addition, provides advantage of being able to compare health insurance policies from the top insurance providers.

You would not be alone if you were looking for Best health insurance plan. If you want

• Ø  Peace of Mind
• Ø  To select hospital and doctor
• Ø  To save on insurance premium

Shop health insurance ASAP because as early as you opt the insurance cover, your insurance premium would be comparatively low.

Why you should avoid Health Insurance Group policy of Banks?

It is from time to time we come across a standard query-Should I buy policy from a specific bank?

We have always taken the stand:

Avoid it as the bank may stop the policy due to various reasons:

·       Change of InsuranceCompany

·       Cancellation of policy by insurance company due to higher claims.

Recently we have come across from newspaper reports about  the  case of Dr. Abhay Bedmutha’s who  had an account with Nashik Merchant Co-operative Bank Ltd. and was issued a Personal Accident Insurance Policy .  When Dr. Abhay Bedmutha died then his wife was informed that policy was not in force as the bank had discontinued some time back. No intimation was given to client about this fact therefore client was left uninsured.

This Widow/Nominee took matter with Consumer Forum and The National Consumer Disputes Redressal Commission has passed judgement that Bank should pay the following:

              Insurance Amount              Rs. 5 Lakhs

       Compensation Amount             Rs. 3.50 Lakhs

                               ---------- -------------

                                                         Rs. 8.50 Lakhs

How many persons have the courage to take the case to Consumer Forum?

We come to the conclusion that do not buy policies through Bank especially if these are part of Group Policies.

Best Health Insurance – Few Tips to taking care of your Health Insurance

Buy Health Insurance Online

The wish for healing has always been half of health. In today’s day, buying health insurance is as important as staying fit. You must have to choose the minimum amount of health insurance necessary for you and your family.

Following are the few necessary and important aspects, which you should take care while looking for a Health Insurance Plan.

• Decide whether you need an individual health cover or you need family floater health insurance. Your employer may also offer Health cover. Take a review of the policy provided by your employer. Taking a broad decision before buying health insurance plan is very important.
•  Go online visit insurance websites. Look the maximum health coverage limits. Compare the different insurance offerings from the different insurance providers.
•  Look what is covered and what is not with your insurance plan.

Few bullet points, which help you in deciding the value of any health insurance plan.

• The health cover plan should stress on preventive care rather than curative.
• The health insurance should not need referrals to see specialists.
•  The health plan should have lower premium for basic coverage.
• The health insurance should offer coverage for a wide range of conditions.
• The health plan cover should not make me change doctors too often. 

Life is full with unexpected happenings. It is very important to have health insurance to avoid future uncertainties. You can get ill and or can suffer with vehicle accident any time. Having health insurance is necessity in this modern era to secure the future happiness.