Individual Health Insurance Plans

The COVID-19 pandemic ne highlight kiya hai ki achhi sehat ka dhyan rakhna aur apni arthik sthirta ko surakshit karna kitna mahatvapurn hai. Is natije mein log ab sehat bima kharidne par adhik bal dete hain kabhi pehle. Bharat mein, vyakti ne ya to sarkari swasthya bima yojna ke liye panjikaran kiya hai ya fir vyaktigat swasthya bima policy ko chuna hai.

Individual Health Insurance Plans
Individual Health Insurance Plans

What is Individual Health Insurance?

Vyaktigat swasthya bima ek bima yojna hai jo vyakti ko vyaktigat suraksha pradan karta hai vyaktigat rashi bima ke adhar par. Iska arth hai ki yah swasthya bima yojna hai jo har parivar ke pratyek sadasy ke liye alag-alag kharidni chahiye. Isse aap apni swasthya ki avashyaktaon ke anusar suraksha ko anukulit kar sakte hain aur nahi puri parivar ki.

Adhyatmik aur vyaktigat swasthya bima yojnaon mein vishesh swasthya kshetron ke liye kai suvidhaen upalabdh hoti hain jaise ki chikitsa aur davaon ki vyapak kshamata, dinoparayan prakriya, sadak ambulance seva, viprit upchar, ang-pran dan vyay aur aadi. Halaanki, vyaktigat swasthya niti ki premium aur coverage aapke parivar ke sadasyon ke beech mein sanjha nahi ki ja sakti.

Features and benefits of individual health insurance

An individual health insurance policy comes with the following feature and benefits:

  • Solo coverage- ise yah surakshit karta hai ki keval aap hi surakshit rashi ka upyog kar sakte hain.
  • Surakshit rashi- yah rashi bima yojna par nirbhar karti hai aur yah yojna apni upalabdhata par adharit hai.
  • Vyapak suraksha-vyaktigat swasthya bima nitiyan samriddh suraksha pradan karti hain jo rogi hospitalikaran, pashchat-pre hospitalikaran ke vyay, dinoparayan prakriyaon, ambulance ke vyay aadi ko shamil karti hain.
  • Add-on cover-yah aapko aise ad-on cover kharidne ka vikalp deta hai jaise ki gambhir bimari suraksha, bahya upchar laabh, punarsthapana laabh, maata suraksha laabh, aadi.
  • Anek daave-aap ek varsh mein anek daave darj kar sakte hain jab tak surakshit rashi khatm nahi ho jati.
  • Parivarik chhoot-yadi do se adhik parivar ke sadasy vyaktigat roop se surakshit hain to adhiktar vyaktigat swasthya yojnaen parivarik chhoot pradan karti hain.
  • Samulative bonus-yah ek chhoot pradan karta hai jo aapke purva varsh mein koi daava darj nahi karate hain tab kiya jata hai.
  • Jeevan bhar ki punarsthapana-yojana aapko jeevan bhar ki punarsthapana ke sath aati hai.
  • Kar labh-yah aapko aay kar adhiniyam ke anuchhed 80D ke tahat bhugtan kiye gaye premiyon par kar bachat pradan karta hai.

What is Covered under Individual Health Insurance Plans?

  • Aspatalikaran ke vyay-yah usi samay se adhik aspatalikaran se utpann chikitsa vyay ko shamil karta hai. Isme khabaradari kiraya, davaon ke vyay, ICU kiraya aadi shamil hain.
  • Covid – 19 upchar-yah covid-19 ke upchar par vyay ke liye suraksha pradan karta hai.
  • Dinoparayan prakriyaen-yah 24 ghanton se kam aspatalikaran ki avashyakata wali dinoparayan prakriyaon ke vyay ko shamil karta hai.
  • Purva aur paschat aspatalikaran ke vyay-yah aspatalikaran se pahle aur chhutti ke baad utpann chikitsa vyay ko shamil karta hai.
  • Ghar ka aspatalikaran-yah ek doctor ki salah par ghar par chikitsa prapt karne ke vyay ko bhugtan karta hai.
  • Emergency sadak ambulance-yah medical emergency ke mamle mein sadak ambulance seva ka vyay karta hai.
  • Vikalpik upchar-yah Ayurveda, Unani, Siddha, yoga aur homeopathy jaise vikalpik chikitsa vidyon ke madhyam se kiye gaye upcharon ke liye vyay ko shamil karta hai.
  • Ang dan vyay-yadi aapko ang daan ki aavashyakta hoti hai to yah daan karne vale se mukhya ang ki katai par vyay ko bhugtan karta hai.
  • Roktharup swasthya parikshan-yah roktharup swasthya parikshan suvidha ko labh pradan karta hai.

What is not included in individual health insurance plans?

  • Dental treatment
  • Self-inflicted injuries
  • Abuse of alcohol or drugs
  • Obesity treatment
  • Infertility treatment
  • Cosmetic treatments
  • Injured due to participation in dangerous sports
  • Congenital external anomalies
  • HIV AIDS

Is Cashless Treatment Available under Individual Health Insurance Policy?

Haan, aap apne vyaktigat swasthya bima niti ke antargat nakad upchar suvidha ka labh utha sakte hain. Iska arth hai ki aapka bima pradan karne vala aapke ilaaj ke samay aapke rogi kendra mein seedha bhugtan karega. Aapko apne khud ke kosh se chikitsa vyay ke liye bhugtan karne ki avashyakta nahi hogi. Aap aapke bima compani ke sahayak roop se kisi bhi bima company se jude hue rogi kendra mein nakad aspatalikaran suvidha ka laabh utha sakte hain.

Individual Health Insurance Plans?

Zaroor, main aapki madad kar sakta hoon. Sabhi vyaktigat swasthya bima yojnaon mein pratiksha avdhiyan hoti hain jinhe aapko dhyan mein rakhna chahiye. Shuru mein, aap policy prarambh hone ke pehle pehle 30 din tak ghair-hadason ke daave nahin kar sakte hain. Iske alava, arthritis, motiyabind, jodo ka badlav upchar, barayatrik upchar, aadi jaise nishchit vishesh bimariyon aur shalyak upcharon ko ek- se teen varsh ki pratiksha avdhi ke baad cover kiya jata hai, yeh aapki chuni gayi yojna par nirbhar karta hai.

Yadi aapne apni niti mein ek gambhir bimari add-on cover shamil karne ka faisla kiya hai, to aap ko polisi prarambh hone ke 90 din baad hi daave darj karne ka adhikar milega. Aur agar aap 30 din tak manjur karne ke 30 din baad bhi jivit hain to aapka daava manjur kiya jayega.

How much individual health insurance coverage should you have?

Bima anubhavagyaanik aavashyakta hai ki aapki swasthya bima niti ko aapke varshik ay ka kam se kam 50% ka bima pradan karna chahiye. Bypass surgery, COVID-19 upchar aur sambandhit takleefon jaise mahangi chikitsaon ko dhakne ke liye, kam se kam 10 lakh rupaye ka ek mininam medikal bima cover ki zarurat hoti hai. Chayanit yojna ke anurup aavashyaktaon ke sath yah suraksha alag-alag ho sakti hai, jisme suraksha ek crore rupaye tak pahunch sakti hai.

Things to keep in mind when buying an individual health insurance policy

  • Health insurance plan chunne se pehle, insurance company ka claim process zaroor dekhein. Yeh dekhein ki process aasan hai ya phir kathin. Yeh bhi mahatvapurn hai ki dekhein ki company kitna samay leti hai claim ko samapt karne mein. Lamba aur kathin claim process wale plan ko chunne se bachen.
  • Network Hospitals ki suchi dekhein – policy chunte samay, yaad rakhein ki insurance company ke Network Hospitals ki suchi dekhein. Dekhein ki kya aapke ghar aur office ke paas koi Network Hospital hai ya nahi. Agar nahi hai, toh kisi doosri insurance company ka policy chunein.
  • Policy ki kimat – aapko ek vyaktigat swasthya bima policy kharidni chahiye jo aapki pocket-friendly ho. Zyada coverage pane ke liye mehenga policy na lein kyunki yeh ek anavashyak vittiya bojh utpann kar sakta hai. Balki, aisi policy chunein jo aapke coverage ki ummeedon ko poora kare bina aapke budget par bhaari padav ko badhaye.
  • Sub-limits ki jaanch karein – adhikansh swasthya yojnayen kuch covers ke liye sub-limits ke saath aati hain. Policy chunne se pehle, alag-alag covers ke neeche lagoo hone wale sub-limits ki jaanch karein. Yeh ensure karega ki aap apni ummeedon ke mutabiq alag-alag covers ke neeche parbhavshali coverage paaen aur claim ke dauraan chakit na ho.
  • Claim settlement ratio ki jaanch karein – ek vyaktigat swasthya bima policy kharidte samay, aapko bima pradan karne wali company ki claim settlement ratio ko check karna chahiye. Uchit claim settlement ratio wali company, kam claim settlement ratio wali company se zyada aapke claim ko manjoor karne ke zyada yogya hai.

Bottom Line

Vyaktigat swasthya bima yojnayen voh vyaktiyon ke liye mahatvapurn hain jo vishesh swasthya samasyaon ka samna karte hain. Yeh prakar ka bima policy aapko ek vishesh sum insured rakam pradan karta hai, aapke parivar ke sadasyon ke saath use share karne ki bajaye. Apne avashyaktaon ke anusar sabse achhi vyaktigat swasthya bima policy dhoondhne ke liye, upalabdh vikalpon ka ek vyapak tulnatmak adhyayan karna mahatvapurn hai. Aap Policybazaar.com par jaakar apni zarurat ke anuroop sahi policy kharidne ka vichar kar sakte hain.

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