Affordable health care plan

Affordable health care plan

 

OVERVIEW:

The Health Care Plan is an importer for you. As this reduces the fear of the expenses incurred in health care. This plan give you and your family a safe future.health care plan is very complex insurance product .It comes with many riders and benefits.health care plan is available in many different types.
choosing many health care insurance companies is not easy.
That’s why we have presented you the best 5 affordable health care plan to you.

5 Best Affordable Health Care Plan

  1. Star health senior citizen’s red carpet.
  2. Star health cardiac care.
  3. Apollo Munich Optima Restore.
  4. ICICI Lombard Complete Health Insurance- i Health Plan
  5. Max Bupa Heartbeat.

 

1.Star Health Senior Citizen’s Red Carpet

Affordable Health Care Plan

    PLAN :         HEALTH INSURANCE  BY STAR HEALTH INSURANCE COMPANY   CLICK HERE

 

Standout features:

  • Made for the aged people between 60-75 years.
  • The age of admission was increased to 75 years.
  • The pre-existing insurance cover is covered only from the first year .
  • 10% exemption can be availed at providing inquiry report of stress thallium, BP report, blood sugar, blood urea.
  • Any medical screening is not necessary.
  • Emergency ambulance charges are include.
  • Home remedies have been covered.

regular features:

  • ICU expenditure, nursing expenses, surgeon’s fees, advisory fees and expert fees, blood costs, oxygen, pacemakers, cost of medicines and clinical trials
  • Hospital expenses.
  • Day Care Processes Include
  • Tax Benefits under Section 80D

Exclusion:

  • 2 year waiting period for specific diseases like cataract, knee replacement surgery etc.
  • 1 year waiting period for specific diseases like hernia, hemorrhoids etc.
  • Naturopathy treatment.
  • cosmetic surgery.
  • Diagnosis Test.

What’s not good

Only treatment in the network hospital can be availed.
The insured has to pay 50% of the amount of claim for pre-zodiac diseases.
For all other claims, the insurance holder has to co-pay 30% of the claim amount.

 

2.Star health cardiac care

Affordable Health Care Plan

Standout features:

  • Designed for heart patients of the age group between 10-65 years.
  • Lifetime renewal (no age limit for renewal).
  • Cardiac diseases occur after 3 months from the beginning of the policy.
  • All the insurance holders will have to go through a medical screening.
  • Coverage for cardiovascular diseases requiring surgery / intervention
    Coverage for cardiac medical management (for Gold Plans only)

regular features:

  • The expenses admitted in the hospital are included in the hospital.
  • All the expenses incurred in the hospital are covered in this plan.
  • There is a grace period of 30 days.
  • There is tax benefit under section 80D.

Exclusion:

  • 30 days preliminary waiting period.
  • Duration of 4 years for pre-existing diseases.
  • 2 year waiting period for specific diseases like cataracts, hernias, kidney stones etc.
  • 90 day waiting period for cardiac related complications.
  • I site / hearing aid.
  • Alternative treatment.
  • Stem cell therapy.
  • Cure.
  • Pregnancy related expenses.

What’s not good

  • This Affordable health care plan is available only as a personal plan, not as a floater plan.

3.Apollo Munich Optima Restore

Affordable Health Care Plan

SEE BOUCHER

CLICK HERE

Standout features:

  • After hospitalization, cover coverage up to 180 days (normal period is 60 days)
  • Home remedies covered
  • Emergency ambulance covered
  • Lifetime renewal (no age limit for renewal)
  • Cost for organ donor cover
  • Profit reinstated
  • 50% increase in insurance amount (up to 100%) for each claim-free year.

regular features:

  • Includes the cost of hospitalization expenses.
  • Day care procedures are included.
  • Tax Benefits under Section 80D

Exclusion:

  • 4 years waiting period for pre-existing diseases
  • 2 year waiting period for specific diseases like cataracts, hernias, kidney stones etc.
  • Treatment for HIV, Genetic Disorders and Related Diseases
  • Treatment for internal and external congenital diseases
  • Non-allopathic treatment
  • Cosmetic treatment
  • Alcohol / Drug Abuse
  • Has hurt himself
  • Mental Disorders
  • War, nuclear war, or radiation work

 

4.ICICI Lombard Complete Health Insurance- i Health Plan

Affordable Health Care Plan

Standout features:

  • The largest floater that covers all the family members under the same plan, which includes self, spouse, dependent parents, dependent children and siblings
  • There is no upper cap on entry age
  • Value Added Services
  • Free health check (2 times a year)
  • Online doctor chat
  • Expert advice
  • Dietitian and nutrition specialist consultation
  • Discount coupon book
  • 2 valuable add-ons at nominal additional cost on base premium
  • Daily cash (500-1000 bucks) + Benefit benefits (Lump sum up to Rs 10,000 each from the sum insured, after being admitted to the hospital, to the insurance holder to take care of the household expenses)
  • Critical Illness cover + Donor Expensions (Reimbursement up to Rs. 50,000)
  • There is no sub-limit on any major medical insurance, medical procedures and joint replacement surgery.
  • Lifetime renewal (no age limit for renewal)
  • No medical examination required for persons under the age of 46

regular features:

  • In the expenditure of patient hospitals including room charges, doctor / surgeon fees, medical bills etc. are included in the expenditure.
  • Grace period of 15 days
  • Cashless hospital recruitment
  • Increase in the sum insured on each claim-free year
  • Tax Benefits under Section 80D

Exclusion:

  • 4 years waiting period for pre-existing diseases
  • 2year waiting period for specific diseases like cataracts, hernias, kidney stones etc.
  • Alcohol / Drug Abuse
  • Dental Care Expenses
  • I site / hearing aid
  • AIDS
  • Pregnancy related expenses
  • Infertility and in vitro fertilization
  • Non-allopathic treatment
  • Suicide attempts / self-injury

 

5.Max Bupa Heartbeat

Affordable Health Care PlAN

SEE THE BOUCHER

CLICK HERE

 

OVERVIEW:
Max Bupa Heartbeat is a family oriented Affordable health care plan with minimal exclusions and unique features, age of admission, inbuilt maternity and new birth benefits etc. It is available in three forms silver, gold and platinum.

Standout features:

  • Contains up to 13 relationships under a single policy.
  • Free health check is done every other year.
  • Direct Claim Settlement Without TPA Interference.
  • High deductible options to get comprehensive coverage at nominal additional cost.
  • No claim-based extra loading this Affordable health care plan.
  • Maternity benefits (after 2 years waiting period).
  • Newborn baby cover.
  • Vaccination for children up to 12 years.
  • 24×7 Health Advice Helpline.
  • Relationship Manager for the convenience of claim (for Gold and Platinum Plan).
  • Consultation and Diagnostic Testing (for Gold and Platinum Plans).
  • Outpatient Benefits (for Platinum Plan).
  • Lifetime renewal (no age limit for renewal).
  • Organ transplantation (if absolutely necessary).
  •  This Affordable health care plan offer home remedies
  • Emergency Ambulance Expenses.

regular features:

  • Hospital recruitment expenses, including surgery, nursing care, medical fees, operation theater charge, ICU charge, pathology, X-ray, diagnostic test, artificial implants etc. have been included.
  • Cover of pre and post hospital expenses
  • Cashless hospital recruitment in network hospitals
  • Day care expenditure
  • Increase in the sum insured on each claim-free year
  • Tax Benefits under Section 80D

Exclusion:

  • 4 years waiting period for pre-existing diseases
  • 2 year waiting period for specific diseases like cataracts, hernias, kidney stones etc.
  • Addiction and disorder, aging and predestination, maintenance of artificial life, circumcision, dental / oral remedies, conflicts and disasters, congenital conditions, health and rehabilitation, cosmetic surgery, drugs and dressing out-patient or le-home use, vision , Experimental treatments, nature treatments, wellness clinics, HIV, aids, obesity, hereditary conditions, genetic disorders, sleep disorders, speech disorders
  • Non-Allopathic Treatment, Unrecognized Doctor or Hospital
  • Psychiatric and psychosomatic conditions
  • outpatient treatment
  • Self-inflicted injuries
  • Illegal activity

What’s not good

The initial latency from the beginning of the policy is 90 days (normal initial waiting period is 30 days)

 

2 thoughts on “Affordable health care plan

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  • April 7, 2019 at 11:02 pm
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