A Health Insurance Plan gives coverage to the policy holder for medical expenses in case of a health emergency. It gives coverage for different expenses like surgical expenses, day care treatment, critical care expenses, etc. A Health Insurance policy is a contract between the insurance company and the policy holder. In the contract, the company offers financial coverage for medical expenses incurred by the insured. It may provide benefits of reimbursement of medical expenses or cashless treatment. We can help choosing the right health insurance in Trivandrum.
Types Of Health Insurance Policies
There is a number of Health Insurance products available in the market. We can choose the right product from an array considering our profile and needs.
Individual Health Insurance Policy: This product offers insurance protection with benefits such as cashless hospitalization, coverage for domiciliary treatment, pre and post hospitalization expenses, etc.
Family Health Insurance Policy : It offers insurance to the entire family against a single premium. A specific Sum Assured is divided among policy members equally. It could be availed by either one or all members of a family for one or more claims during the tenure of the policy.
Senior Citizen Health Insurance Plans : It offers coverage to the age group between 60 and above. It covers hospitalization expenses including in-patient expenses, critical care expenses, pre and post hospitalization expenses, etc.
Critical Insurance Policy: These plans offer a lump sum amount in case the insured is diagnosed with a critical illness such as kidney failure, cancer, paralysis, heart failure etc. This product is available as a stand alone product or as an add-on cover.
Unit Linked Health Insurance Policy : It is a new generation Health Insurance Product. Apart from giving health protection, it also aims to build a corpus for meeting expenses that are not covered under normal Health Insurance Policies. A unit-linked insurance plan is a combo product of health insurance benefits and investment.
Medical treatment in Thiruvananthapuram incurs high costs and this makes health insurance in Trivandrum a necessity.