Health Insurance Plans 2024 –  With increasing problems with health and fitness , the medical expenses for medications and treatments is increasing day by day . For those who are earning a decent salary and are also managing their families taking on much stress on themselves, then it becomes essential for all those to choose a decent insurance plan for themselves which can finance their health emergency with complete cover. In India , there are multiple companies and banking institutions which provides health insurance plans with cover for upto 1 crore.

In this article , we shall be discussing about the need of health insurance , the cover you can take with a health insurance plan in 2024 in India , obtaining consultation for health insurance plan and how you can buy a trusted health insurance plan other than a term insurance plan.

Why it is necessary to buy Health Insurance in 2024 ?

Increasing medical cost of basic checkups , treatments and sudden emergencies like Cardioarrest or heart or diabetic issues , it has becomes necessary for every person to hold atleast one health insurance which helps in covering the cost of medical emergency if you run without any major savings.

In most cases , without health insurance you have to spend your entire life savings in improving your health or well being of your loved ones. Health insurance helps save you the entire savings providing safety to your medical emergency cost for upto 100% with just paying a small amount as premiums.

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Health Problems with Stress and Tension for Future Generation ?

With age people tend to develop stress and tensions with their savings , daily spending or work stress and indirectly it also tends to increase health problems.

With Health insurance plan , you can save your entire savings and finance your big medical bills with the support of the Insurance companies . Also , insurance companies covers most of the health problems and diseases for OPD and post and pre hospitalization expenses.

Health Insurance Plans and Comparison

You can consider online portals like PolicyBazaar or InsuranceDekho for checking different health insurance plans and their benefits . But it is necessary to know that most of the insurance companies or comparision websites provide a good feedback of almost all the health insurance plans because they are informing you to sale. And their main objective is to sale you the product with the highest commission .

There are few things that you must check on your own or from the agreement of policy document while buying the insurance –

• Copayment clause
• Post and Pre Hospitalization Expenses
• Medical Sublimit
• Waiting Period
• Cashless Payment

Do every Health Insurance company pays for your well being ?

This is totally depend on your situation of well being and health issue that you will be able to claim an insurance claim or not . If you purchase a health insurance plan , through a online policy compare website online then there are most chances that on buying through such agency you get a dedicated claim manager to take care of your health insurance claim .

Most of the companies with the highest claim ratio pays for your well being and also these insurance companies are rated based on their claim ratio. Companies with the highest claim ratio, also charges for the higher premium.

Health Insurance Co-payment Issue

Co-payment issue in a health insurance plan means that if the policy document includes a 10% or 20% co-payment clause , then in any case of your treatment for obtaining a claim for your medical emergency you have to pay for the 10% or 20% of the claim amount .

If the Copayment clause is not fulfilled , the company might not approve the claim on this reason . It is better to not to obtain a health insurance plan with a co-payment clause because it certainly creates problems for the buyer.

Health Insurance Plan with Pre diagnosed Disease

Every Health Insurance plan comes with a Waiting period for all those diseases which are pre diagnosed before buying the insurance policy. One a health insurance plan is obtained after notifying the diagnosed disease , the buyer of the insurance policy have to wait for at least 3 years to get such disease covered in such policy.

If you buy an health insurance plan without notifying the company about the pre-existing condition for the disease, then your chances for claim rejection increases in case you have to claim for the policy.

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SBI Aarogya Supreme Plan – Why you should consider in 2024 ?

SBI Aarogya Supreme is one of the most affordable health insurance plan to buy within 12000 for a year with a Sum assured amount of Rs 6 lakh which comes with a 100% recharge benefit.

The Insurance plan comes with a safety from SBI about the claims and also the increment of sum assured amount with ease in claims . To buy SBI Aarogya Supreme Health Insurance plan you can visit the official SBI General Insurance website.