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As we are moving to a more sedentary lifestyle, it is clear that there are increasing cases of critical illness. It costs a major chunk of your money to treat any critical disease, and it ends up messing with your financial goals. Therefore, it is important to purchase a critical illness insurance plan for yourself and your family. It is the need of the hour with the constant increase in the cost of medical treatment.  We often estimate our life plans and work accordingly. Although, life is unpredictable, and most of our estimates might not always bear fruit. A critical illness insurance plan saves you financially from these unpleasant and unexpected events. It acts as a life saviour in our most difficult times.  It is important to read the positives and negatives of any critical illness insurance plan.  What is a Critical Illness Insurance Plan? A critical illness insurance plan is a type of health insurance plan that covers critical diseases or illnesses. We should che...

The rising rate of pollution, epidemics, pandemics, and other diseases has highlighted the importance of getting a health insurance cover like never before. A health cover plan will not only provide cover for the medical and hospitalization expenses but will also compensate for the financial losses that you have suffered due to an illness, accident, injury, or medical condition.  Also, subscribe to a health insurance plan that will satiate most of your financial needs during a medical emergency. The important options and features offered by insurance providers are stated below: Complete coverage  Apply for a health insurance policy that includes coverage for maternity expenses, expenses for a newborn baby, medical expenses, pre, and post-hospitalization costs, ambulance costs, AYUSH treatment fees, daycare cover, etc.  Senior citizen insurance policy If you are above 60 years of age then you apply to a senior citizen insurance plan that covers pre-existing conditions and...

If you feel that your current health insurance policy does not fulfill your health care concerns and requirements, you can port your insurance policy to another insurance company or to a different plan that is provided by your existing insurance company. You need to know the following things while porting your insurance policy: Porting of both individual and family health insurance policies is allowed. The new insurance plan or company should provide at least the same coverage amount as your old policy did. The new insurance company or plan must provide you with relief in the waiting period as per the waiting period you had served with your previous insurer.  If you are searching for a credible insurer that offers medical insurance with comprehensive coverage and multiple benefits then you must go through several health insurance policies by using the internet. The following options and features can be utilized while subscribing to an insurance policy through its website: Multiple...

Critical illness insurance tackles the serious issues of health and covers the financial side associated with such illnesses. It covers the major types of critical ailments and ensures that your savings remain intact. What You Must Know? Critical illness insurance always makes a lump-sum payment upon the diagnosis made. If the client is diagnosed with one of the critical illnesses as per the norms of the insurer, then the company will pay the entire fee for that without any hassle at all. Also, one does not need to provide any receipt or proof of every detail of the diagnosis or the medicines to get the claim. Adding It Over Your Base Plan You may either sign up for separate critical illness insurance or you may take it as an additional service on top of your existing life insurance policy. Make sure that you read the details of the list of ailments that the plan covers. Get The Right Policy The health insurance policy for the critical illness that will...

Many people opt for cashless health insurance ensuring enough convenience in getting admitted to the choice of hospital. With cashless facility insurance schemes, the insurance provider settle the bills in case of hospitalization. Moreover, the coverage is quite higher like up to Rs 15 lakh. Let us checkout 5 best cashless health insurance policies to get- Bajaj Allianz Extra Cover- This health policy allows you to get treatment in more than 3000 network hospitals. The policy offer single premium coverage for the entire family. One of the best things is the premium you pay is budget friendly. Apollo Munich Optima Restore Health Insurance- This policy comes with the features like- A wide range of coverage. It offers both individual and family floater policies. Lifetime renewal facility Organ Donor and domiciliary treatment covered E-opinion for critical illness available ICICI Lombard Health Care Plus- Some of the benefits you get with this health insurance pol...

Critical insurance plan is one of the few types of health insurance plan available in India. The insurance provides coverage for medical treatment of critical ailments such as cancer, kidney failure, paralysis, a stroke and the like. This becomes absolutely essential for senior citizens above 70 years of age. Why is it necessary? A critical ailment can strike at any time, especially in case of elderlies. And as costs of medical treatments continue to increase, it becomes more important to devise ways to cope up with expenses of a critical illness diagnosis. Thus, a critical illness plan , which covers highly expensive medical problems such as the ones mentioned above, becomes absolutely essential. How to choose the best insurance plan? 1. Maximum coverage available:  First and foremost, check the coverage available. The medical inflation rate is likely to increase in the next couple of years and thus, your critical illness insurance cover should be in accord...