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Finding a suitable health insurance plan is never easy, especially when it’s for senior citizens. There is ‘n’ number of things to consider. You miss even one thing, the insurance scheme becomes inefficient and ineffective. Hence, be a smart buyer and do a comprehensive research before signing up for anything. How to start with it? The simplest way to do that is read. Read some articles and blogs available on the internet. Search for the coverage you must have in a senior citizen health insurance scheme. Assess the needs of the senior citizen: the coverage he might need and jot it down somewhere. Look for different health insurance plans and compare them based on the list you just made. Read More- What is critical illness Insurance? Moving on, check out the essential factors which should be considered in order to find the best health insurance scheme for a senior citizen. 1. The age limit: The first and the foremost, whether you are planning to take up the in...

Many people have few misconceptions about the health insurance plan. The truth is that insurance can be customized to suit various needs of the policyholder. Discuss with your Relationship Manager to understand more. Let’s throw light on some of the facts around health insurance. # Waiting Period Most health insurance plans have a waiting period for pre-existing diseases and even diseases which are discovered after signing up the health insurance. These periods can range from 2-5 years and differ from service providers. # Claim Process A health insurance must offer an easy claim process. Make sure your prospective Health Insurance Plan offer quick service at times when you need it the most. You may also click here to know more about Health Insurance Claim- How to claim Medical Insurance? # Family Cover Consider the age and health situations of all family members. This will help you better plan medical expenses beforehand and benefit from the pla...

Health insurance is one of the most common forms of insurance that appears as a helping hand during medical emergency. You have to check what all facilities your health insurance cover up. Is it only the hospitalization costs, or it covers all pre and post-hospitalization expenses. You also need to aware of what all diseases it covers, only the general ones or the critical ones too such as cancer and cardiovascular diseases. Day by day it is becoming hard to manage the medical bills due to the rising cost of healthcare. That is the reason health insurance has become so important.   More info Visit- How to Choose Health Insurance? The factors you need to notice in a health insurance are: How much sum insured? You must know that all health insurance policy covers only a basic sum. There are some underwriting rules of the insurer on the basis of which the basic sum is insured. The rest amount needs to be financed from your pocket. For example: If you have an in...

The prospect of having a baby is accompanied by a wave of happiness and along with it, there are concerns related to the well being of the little one. It is natural for parents to feel protective about their child and with the same intention, opting for an insurance plan is important so as to secure the well being from a financial perspective. Securing the health of the unborn child and the expecting mother is done by opting for a maternity insurance plan . Agencies providing these policies offer customised plans to cater to the specific needs related to the health of the baby and the mother. Health Insurance Plans with Maternity Coverage These are basically normal health insurance plans having an add on feature of maternity coverage for a maximum of 2 deliveries. Policy providers of the likes of HDFC Life, Max Bupa, TATA AIG offer such schemes. You May Also Like this-   What is Maternity Insurance?   Maternity coverage include the following: Co...