Friday, January 29, 2010

The Benefits of Health Insurance Coverage

Buddies, if you are not yet insured with any health care policy, do it right away. You never know when health emergencies strike us and before you end up spending your savings get insured and live a worry-free life. This is just a suggestion as I have seen many of my relatives and friends spending their big hard-hard money earned in years all gone in seconds. Had they been insured with some Health Coverage, they would not have faced the financial crunch they are facing today. I have realized from their woes and this is the reason that today I have a health care policy from Apollo Munich Insurance.

Health policy in India offered by the different companies do differ in premiums, insured sum, validity, benefits covered, renewals, claims, etc. One strict advice is that go for a cashless health care policy. And buddies you can buy health care policy online. Online health care facilities offered by almost all the Health Insurance providers have provided relief to many as it hardly takes time and the hassles involved in visiting the insurance executive is negated.

Why I chose Apollo Munich Insurance family health plan from amongst the three variants offered after I compared policies online is due to the many benefits it offers. It is cashless and I can avail medical services from any of its 4000 network hospitals. It is my second year and I availed discounts by a few percentage points in the renewal amount as it was claim free.

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Sunday, January 17, 2010

The Best Health Insurance

Buddies, many online blog writers have agreed with me that Apollo is the best when it comes to health insurance offers. The market is no doubt flooded with Health Insurance Providers. As I planned to buy the best health insurance to save on my tax as well as to get some financial shelter against health risks, I asked my colleagues, read reviews, visited the sites of all the health insurance providers, received quotes and even compared policies. Apollo appealed to me the most.

The Health Insurance plans offered by Apollo cannot be compared with other health insurance coverage plans offered by other companies. If you do a similar research like me, you will agree with me. Those who are already insured with Apollo’s health insurance plans will nod in the positive with me. Below are the key reasons, why I opted for Apollo:
•Cashless benefits in over 4000 network hospitals
•It covers maternity expenses, out-patient dental treatment, health check-up, spectacles, contact lenses, etc.
•Wide choice in family and individual plans with insured amount ranging from Rs. 1 lakh to Rs. 10 lakh
•Medical expenses before and after the hospitalization are the responsibility of the company
•Availing of special incentives on every renewal after a claim-free year
•Tax benefits under Section 80D of the Income Tax Act.

Well this is only a miniscule part of the many benefits covered. Hope sharing this experience and information will help you choose the best health insurance policy.

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Thursday, January 14, 2010

Health Insurance services in India

Buddies, I believe Best health Insurances In India are yet to pick up momentum. Only three out of my ten colleagues are insured and I do not know about the other colleagues. Even the family members of those seven are not insured. Out of the three, two have taken individual health insurance and only one, a family plan. If this is the condition in every office which does not provide medical insurance to its staff, you can well conjecture the number of uninsured people in India! This exhibits the poor performance of the health insurance service sector in India. Gone were the days when only a few companies catered the people with health insurance services.

Today, there are a number of Health Insurance Providers in the country yet without success. People should procure health insurance services to maintain a balance of expenses. Almost every home in India has a track record of spending huge amounts as hospital bills. A health insurance will enable them to save on their medical costs.

You must be wondering that I must be talking rubbish; but this is the reality. I am a victim of such a circumstance. Today I am insured with this health insurance provider called Apollo Munich Insurance. When numerous health insurance providers exist, offering competitive plans, it was a tough job for me in choosing the right health insurance provider. My cousin helped me out by searching on the web and now he is insured with Apollo Munich Insurance plan too.

Tuesday, January 12, 2010

Benefits of Family Insurance

Guys, you can gift yourself and your family a gift for the New Year – Family Health Insurance - if you are not yet insured with any family plan. There is no better and more unique gift than a family health insurance plan. It will keep you and your family safe and secured in the complete year ahead. You never know when health inconveniences strike and you must also be aware of the spurring medical costs. Getting hospitalized in an excellent hospital would require you to spend a minimum of Rs. 1 lakh. The maximum can go to any limits as per the intensity of the disease. It is better to stay on the safer side with a family insurance plan by paying a meager one-time premium.

This is a New Year suggestion to you guys. I am happily availing the benefits of the family health insurance plan that I and my family are insured with. We have bought Apollo Munich family insurance, the best amongst Family Health Insurance Plan offered by other companies. Why I call it best is because of the maternity expenses it covers including health check-up, spectacles, contact lenses, out-patient dental treatment, and lots more. The insurer is networked with some of the top hospitals in the country numbering around 4000. This cashless family insurance plan is customer-friendly; special incentives are offered on every renewal after a claim-free year. Another great advantage is the tax benefits that I have been deriving for the premium amount.

Sunday, January 10, 2010

Medical Policies by Apollo Munich Insurance

A medical policy enables the insured to manage himself and his family’s health-related needs, which may range from consultation, hospitalisation to post-hospitalisation. A one-time premium is to be paid for the insured amount. The premium depends on the insured amount, which may vary from Rs. 1 lakh or less to several lakhs. Most medical health insurance providers keep the insured amount in between the Rs. 1 lakh to the Rs. 10 lakh figure. The higher premium you pay, the higher is the insured amount and the benefits covered also vary as per the plans chosen.

Medical health insurance and medical travel insurance offered by Apollo Munich Insurance are designed in a way to suit the need and budget of all. Apollo Munich Insurance provides a number of Medical Policies and the uniqueness of the policies it offers is the many benefits covered unlike other insurance providers.

Apollo Munich medical health insurance plans ensure double protection of prevention and cover. You can either choose individual plans or family plans from amongst three categories of medical health insurance – standard, exclusive, and premium with cover amount ranging from Rs. 1,00,000 to Rs. 10,00,000 as per the option you pick. A medical policy under Apollo Munich Insurance entitles you to avail hospital benefits on a cashless basis in over 4000 network hospitals.

Medical travel insurance is a bit different from health insurance in that it covers all risks related to travel. Loss of baggage, accident, falling ill in a foreign land, etc. is covered by medical travel insurance.

Thursday, January 7, 2010

Best Insurance Company

I ought to declare guys that health insurance schemes offered by Apollo Munich Insurance are the best. Do not think that I am doing some advertisement for the company. It is the benefits I gained that forced me to share my experience at this blog forum so that you stay benefited too. And I suggest you guys that if you are not yet insured, go for the health insurance schemes offered by this Best Insurance Company in the country. It offers both health and travel insurance and more and the benefits covered are matchless compared to other companies.

I was insured with a Mediclaim Policy – the family plan – for two years with one renewal year with some medical insurance company…I won’t take its name….I had to undergo some dental treatment that amounted to several thousands and I had to pay near to Rs. 1 lakh for my wife’s maternity expenses. And though I had this medical card, it didn’t turn useful as these two were not covered. I didn’t renew it the 3rd year and later after one more year I searched online for the best mediclaim policy and that was how I chanced to buy Apollo Munich Insurance exclusive plan. Now, I am the father of another child and I was able to get my wife admitted in one of the best hospitals in the city.

The complete expenses were borne by this best insurance company. We are planning for an overseas leisure tour and the best travel insurance can be availed at Apollo Munich Insurance only.

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Monday, January 4, 2010

Travel Insurance for Multi-Trip

For corporate executives like me who travel round the year, a travel medical insurance holds great significance. Many companies get their employees insured with health insurance or reserve travel health insurance for their staff who travel for attending business meets and the like. Surprisingly the company I work for doesn’t offer such facilities. So, I had to buy a travel health insurance to stay secured against any inconveniences during my travel or during my stay abroad. I suggest you guys who travel a lot should get insured with Travel Insurance too.

Around ten to twelve trips a year and even more than that were a part of my yearly schedule. My career journey started some four years back. Initially for the first two years, I didn’t have a Travel Medical Insurance. No insurance agent approached me and I didn’t pay heed to my travel agent asking me to buy one. Well, during those two years, I had to pay for one cause or the other almost once in every four trips. Once I lost my baggage, another time I fell ill and got hospitalized; another time there was a flight delay of several hours and the hassles as well as the expenses involved did burn a hole in my pocket.

And after two long years, I searched online, got a Travel Health Insurance quote and chose Apollo Munich Insurance Easy Travel – Annual Multi-trip plan. The travel health insurance quote I got from other insurance providers didn’t satisfy me.