2. In short, a type of insurance coverage that pays for
medical and surgical expenses that are incurred by
the insured. Always opt the best health insurance as
per the need of the individual or family.
3. Health insurance covers (depends on plans):
Cashless treatments (through a network of hospitals)
Hospitalization expenses including ambulance
charges
Free medical check-up (through a network of
hospitals)
Critical illness/ Accidents/ Pregnancy
4. Some common types of health
insurance:
HMO – Health Maintenance Organization
PPO – Preferred Provider Organization
PoS (Point of Service)
High Deductible Health Plan
5. HMO – Health Maintenance Organization
Allows you to choose a primary care doctor from a
network of healthcare providers
In case of specialist care, your primary care doctor
will refer you to other specialists
No deductible
Low cost and co-payment amount
6. PPO – Preferred Provider Organization
Allows you to have the entire network of healthcare
providers at hand
Plus doctors outside the network
There are some deductibles
Deductibles increase when you consult with doctors
outside the network. So does the cost!
7. PoS (Point of Service)
Allows you to choose a primary healthcare provider
from the network
When necessary, you will be referred to specialists
within the network
Shares the stipulations of both HMO and PPO
Low premium but high deductible
Deductibles can be even more higher when you see
doctors outside the network. So do the copayment
amounts!
8. High-Deductible Health Plan
High deductibles but the premium to be paid is low
Need to manage the expenses incurred for routine
checkups on your own, until the deductible amount is
met
Once the maximum deductible is met, you will start
enjoying the coverage
9. Why To Opt health insurance?
-Health or medical insurance can help you out in
paying large medical bills, which can take a toll
on your future.
-To secures your ‘now’ and ‘future.’
- Free Medical Check ups and maintain a healthy
life.
- ‘Good things come in small packages’
- Cashless mediclaim policies help for the
treatment without having to expend anything.