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Health Insurance - Must Read these points before buying best health insurance plan

July 24, 2018 , , , , ,

Health Insurance - Must Read these points before buying best health insurance plan

What is Health Insurance ?

Health Insurance is an insurance coverage which pays the medical and surgical expenses of an Insured Person. The owner of the Health insurance is known as an "Insured".The Company which provides insurance to an Insured is known as "Insurer". An insured person have to pay a premium per year for the Health Cover.This premium depends upon the type of Health Cover chosen by an insured. In case of any medical problem ( like if Insured is hospitalised or insured has to undergone from any surgery ) then the Health Insurance Company will pay all the expenses.


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Types of Health Insurance 

There are three types of Health Insurance in India.You can choose any of them according to your needs.

  • Individual Health Insurance 
  • Family Floater Plan 
  • Unit Linked Health Plan 


Individual Health Insurance provides health plan for an individual person.It will cover hospitalisation and surgical expenses of an individual.

Family Floater Plan provides health plan for the whole family.By this plan any member from the family can claim in the case of hospitalisation or surgery.

Unit Linked Health Plan is a combination of insurance and investment in which a part of the premium is used in investment and remaining part is used to buy a health cover.

Types of Payments for Health Insurance 

There are two modes of payment done by the Health Insurance Company.

  • Direct Payment to the Hospital 
  • Reimbursement of expenses to an insured 


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