Buy Premium Health Insurance From HDFC Ergo And Stay Covered

Health is one of the most essential concerns that cannot be compromised with. Medication and hospitalization costs have soared very high and it have become almost a burden for the people at large. Health insurance is an extremely helpful financial cover for planning your finances that will benefit you and your family during the hours of crisis. It's meant to protect your financial assets, as well as promote wellness and health. There are an assortment of different perks and downsides to each kind of health insurance plan, and it’s important to know what will help you and what won’t.

As medication costs are skyrocketing, it is too expensive these days to get quality treatment at affordable rates. A health insurance often comes handy in such situations which drains your savings. The extensive treatment and medication cover by premium health insurance from HDFC ERGO is beneficial during crisis periods.

Health insurances have a number of benefits and even drawbacks, depending on the policy terms, coverage areas, premium and brand specific features. Every insurance company offers an assortment of different plans that may or may not work for you. Most reputed brands also assist you in customizing your personal or family health policy as per your requirement, budget and benefit. In the case that you are suffering from a chronic or congenital disease, you can get health need specific insurance plan that cover certain types of injuries or illnesses more specifically. It helps you to pay less for recurring expenses like doctor visits and medicine. If you do not have any chronic or hereditary disease, you can utilize your coverage as a general purpose plan which bails you out of emergency health conditions, accidents or even general health checkups.

HDFC Ergo’s health insurance comes with a number of unique features, benefits and affordability. Here are a few details:

SALIENT FEATURES:

• Affordable rates for optimized health insurance plans that add more benefits in same price
• Individual or Family Floater Health Insurance options with customizable features
• Both annual and short term (2 years) health insurance plan available for your benefit
• Cumulative Bonus on completion of every claimless year
• Reimbursement of health Check-up expenses on completion of 4 claimless years
• Wide network of more than 4800+ hospitals offering cashless services to policy holders
• Health check-up not mandatory for individuals below 45 years of age
• Income Tax savings under Section 80D of the Income Tax Act
• Easy and hassle free claim procedures with least documentation and settlement time
• Hospital room rents, hospital expenses, specific diseases and doctor fees have no sub-limits

These unique features cover most of the situations that might require you to shell out thousands of rupees from your own pocket. It also additionally gives you a peace of mind and the assurance that help is at hand at times of need. HDFC ERGO health insurance policies also ensures that the health of you and your family rests on trusted and safe hands by making tie-ups with only reputed and trusted healthcare brands offering the most advanced treatment.

Important tips before purchasing healthcare plan

But bear in your mind that before purchasing any healthcare plan, be sure that it covers the necessary health areas and treatments that either compulsory for you or they are the most expensive ones. Make it a point to compare various policies and their benefits, costs and coverage extensions over the internet so that you have a clear idea about your exact requirements and budget.

Premium varies from policy to policy or brand to brand. It is not mandatory that an expensive health policy is the finest one or a cheap policy is always the best deal. Research a bit about the ‘value-benefit’ ratio so that you have an idea about the benefits of the deal. Most brands give specific coverage or extra benefits with a little additional amount. This helps you in saving money and making your policy more effective as per your need.

Look out for packaged or bundled insurance plans and additional offers that different brands offer you. You will be able to get more value for less money.

Only go for reputed brands as there is no dearth of dubious insurance brands. Be careful before investing your hard earned money.

CONCLUSION: 

Top insurance brands offer a host of health care benefits through premium health policies that helps you to sail through troubled waters. With medication and treatment costs shooting up, healthcare policies are the smartest and most efficient ways to save your money before getting drained.  

HDFC ERGO Setting New Standards for Medical Insurance

Health and medication assume a significant role while guaranteeing the security of a family. Skyrocketing medical treatment expenses and hospitalization costs are sufficient to empty your investment funds, if not overall arranged. When somebody in the family is hospitalized, all you wish to concentrate on is the well-being and recuperation without thinking of the accounts. A Health protection goes about as a security measure of sparing your accounts in the occasion of you or your relative getting hospitalized.

Amongst hundreds of medical and health insurance policies available in the market, HDFC ERGO has earned a respectable position within the hearts of its customers. Assuring a high percentage of risk coverage and responsibility at times of trouble, HDFC ERGO has raised the bar for other insurance providers competing in the market.

HDFC ERGO believes in the principle of providing a beneficial and comprehensive health insurance plan that not only assures a sound and quality treatment but also fits well in everyone’s budget. Amongst medical plans offered by other medical insurance companies, the Health Suraksha plan from HDFC ERGO provides a full cover for inpatient treatment costs which cover both pre-hospitalization and post-hospitalization expenses. There is a plenty of such other major expenses which the police covers. Amongst one of the best medical insurance companies in India, HDFC’s Health insurance Plan lets you be rest assured that there are no hidden sub-limits on the hospital room rents, hospital charges, diseases and doctor fees.

Interestingly, there is a handsome tax exemption in case one insures under this plan. The insured person can avail up to Rs.15,000 as tax benefit under ‘Section 80D’ and in case of senior citizens, avail up to Rs.20,000 as tax benefit under the same section.

Key Benefits of HDFC ERGO’s Health Insurance Plan

• Get the most optimized and up to date health insurance plans at the most cost effective rates
• Provides choice for Individual or Family Floater Health Insurance
• Choose from either an annual or two year policy
• Bonus rewards on completion of every claimless year
• Get Health Check-up expenses reimbursed on completion of 4 claimless years
• Network of more than 4800+ hospitals to choose from to avail cashless services
• Non Mandatory Health check-up for individuals below 45 years of age
• Benefits on Income Tax under Section 80D of the Income Tax Act
• Hassle free claim procedures with minimum documentation and settlement times
• Zero Sub-limits on hospital room rents, hospital expenses, specific diseases and doctor fees.

CONCLUSION:

Insure yourself and your loved ones from a range of beneficial health plans offered by medical insurance companies so that at times of need, you have someone standing by your side. Stay updated. Stay safe!

Meet Your Health Care Needs with HDFC ERGO's Mediclaims

A health insurance policy is a need in the present era. Due to the advancement of Medical Science, new treatments have emerged which has the power to recover even the most complicated and dangerous diseases unknown. Whoever this advancement has led to rising expenses in hospital costs, medical treatments, doctor's visits, etc. A comprehensive health insurance policy can protect your health needs during financial crunches.

Why to Choose HDFC ERGO?

What can be best if your near and dear one's health needs are fulfilled without any financial burden. HDFC ERGO is a reputed general insurance company which offers the best health care plans for you and your family at budget friendly rates. The experienced professionals have designed such medical plans so that during any serious treatment you don't have to worry about the expenses rather you can fully concentrate on the recovery process.

What are the Health Coverages Offered by HDFC's Health Insurance Policies?

Use your hard-earned savings for better reasons with HDFC's mediclaim plans. The plan not only cover treatment costs, but also include the cost of hospitalization in the event of an accident or any illness, pre and post hospitalization costs, day care procedures, domiciliary treatment and other medical related expenses. With such plans you will at least have the peace of mind that your mediclaim is always by your side to protect your needs.

What are the Different Health Care Plans Offered by HDFC ERGO?

For a responsible human being, nothing can be more important than his or her family's welfare. Now can avail such policies online just through a few clicks without the need of an agent. HDFC ERGO's health insurance plans are categorized into three different parts HDFC ERGO Health Suraksha Plan, Critical Illness, Health Suraksha Top Up. Each of the plans has their individual key features.

What is Included in Health Suraksha Plan?

Health Suraksha plan offered by HDFC ERGO will fit anyone's budget. It covers in-patient treatment costs, pre-hospitalization and post-hospitalization expenses, and many other major medical costs. There are sub-limits on the hospital room rents, diseases, doctor fees, and hospital charges included in the plan. Now get instant quotes online and select the best medical insurance that best fits your needs and budget.

Who can Buy this policy?

HDFC ERGO's Health Suraksha plan can be purchased by any children who is at least 90 days and above in age.

Is there any tax benefit?

You can avail up to INR 15,000 as tax benefit under 'Section 80D'. Senior Citizens can avail up to INR 20,000 as tax benefit under 'Section 80D'.

With HDFC's mediclaim plans you can enjoy a hassle free claim procedure with minimal documentation and settlement times. Due to its widespread network across more than 4800 hospitals, you can avail cashless services. For more information regarding such plans please visit the official website of the company at http://www.hdfcergo.com/health-insurance/HealthSuraksha-TopUp.html

Health Insurance Companies in India – HDFC ERGO Health Suraksha

Health insurance companies in India are becoming to be one of the largest and fastest growing verticals in the insurance industry with HDFC ERGO’s Health Suraksha being amongst the top. For simplification purposes, all the health insurance companies in India are categorized under general insurance. In spite of this large growth in the customer base, the health insurance companies face a big challenge due to the rising medical expenses and the subsequent high losses faced by them.

Health Insurance policies – as perceived in India:
A study conducted to know the view of Indians on health insurance as a product showed that the way Indians perceived the health insurance policies was highly dissatisfying. Most Indians see health policies as a way to avoid taxes. Only a few percentage of the population looks at health policies an instrument to shield an important asset i.e. Health. This is usually seen in the developing economies, where people tend to put wealth first ahead of their (their family’s) health. If viewed at a broader scale, very few families in India actually have a backup plan to meet their treatment and medication costs. It is also observed that the health risks are differently observed in India than those in the west. Right planning for health issues is still to become a priority task.

Insurance Companies in their Initial Phase:
With a penetration of barely 4-5%, the health insurance companies seem to have a large opportunity in the insurance market. More than 10 products were offered by HDFC ERGO’s Health Suraksha alone to cater to different demographics of Indian society. HDFC ERGO also made attempts to pull the customers online, by allowing them to purchase the health insurance products online. The level of health insurance penetration in the world was much higher than that of India. This had resulted in creation of networks of distribution channels in India like – the insurance agents, the brokers, bancassurance, Internet and direct mailing. Banks as well as the financial institutions in India also saw a huge opportunity in promoting various types of health insurance products. Insurance brokers contributed significantly in expanding the reach of the insurance companies, and their part is crucial when a claim was made.

What is the need of a Health Insurance?
Health treatments costs, hospitalization expenses and medication have become costly in recent times. More often, hospital bills prove to be more painful the disease itself. An ideal solution to this is safeguarding your savings through a health insurance. Although HDFC ERGO’s Health Suraksha offers various products with different Sum Insured amounts, it is important to note that a health policy only reimburses an amount not more than this pre-defined limit or the Sum Insured. Usually, more than 70 percent of total spends on hospitalization and medication bills come from the individual’s savings. A health insurance with basic features and low sum insured will thus relieve you only to some extent. A notable proportion of the population have refrained themselves from the treatment all together. Hence it is necessary that the sum insured on the health insurance policy is increased. Modern day lifestyle is prone to many diseases which further emphasizes the need for a health insurance policy.

Medical insurance policy not only reimburses the costs incurred for the period of hospitalization but also the pre and post hospitalization period e.g. expenses for carrying out medical tests and purchasing medicines. The medical insurance cover will be limited to the predefined amount i.e. the sum insured.

Emergence as the 2nd largest segment:
Health insurance has become the second largest segment after motor insurance as more and more individuals realize the importance of securing their health. It is also becoming an important stream of business for many insurance companies offering products in health insurance.

Apart from the rising awareness for health insurance among the people, the Central and State governments were also instrumental in the growing this segment by taking up large-scale insurance programs like – Rajiv Arogyasri Scheme and the Kalaignar Scheme in Andhra Pradesh and Tamil Nadu, respectively.

Source: http://goo.gl/rgkuNg