My Insurance Bazaar- Understanding Health Insurance

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UNDERSTANDING HEALTH INSURANCE Answers to Questions : How it affects your Financial Plan? Visit us : www.myinsurancebazaar.com, Talk to Advisor: 18001028550

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Visit us : www.myinsurancebazaar.com, Talk to Advisor: 18001028550 LET UNDERSTAND FIRST HEALTH INSURANCE “ “ AN INSURANCE THAT RELATES TO ONE’S MEDICAL EXPENSES BEING COVERED BY AN INSURER HEADS UNDER WHICH HEALTH INSURANCE COVERS COST: ROOM & BOARDING EXPENSES NURSING EXPENSES FEES OF SURGEON, ANESTHETIST, PHYSICIAN,CONSULTANTS AND SPECIALIST ANESTHESIA,BLOOD, OXYGEN,OPERATION THEATURE CHARGES, SURGICAL APPLIANCES,MEDICINES,DRUGS,DIAGNOSTIC MATER- IALS,X-RAYS,DIALYSIS,CHEMOTHERAPY,RADIO THERAPY,COST OF PACE MAKER,ARTIFICIAL LIMBS,COST OR ORGANS AND SIMILAR EXPENSES OPTIONS AVAILABLE UNDER A HEALTH POLICY ONE CAN EITHER GET INSURED FOR HIMSELF OR THE WHOLE FAMILY WITH THE ONE AGAINST WHOSE NAME THE POLICY IS TAKEN IS CALLED THE PROPOSER AND THE REST ARE CALLED MEMBERS UNDER THE POLICY WHEN SOMEBODY BUYS A HEALTH POLICY , AN AMOUNT IS ALLOCATED WHICH IS CALLED THE SUM ASSURED. A SUM ASSURED IS THE MAXIMUM AMOUNT OF MONEY WHICH THE INSURER WOULD PAY IN CASE ANY CLAIM BEING MADE. INDIVIDUAL AND FAMILY HEALTH COVER IN AN INDIVIDUAL COVER THE PROPOSER IS THE ONLY INDIVIDUAL WHO GETS COVER BUT IN CASE OF FAMILY EVERY MEMBER REGISTERED UNDER A POLICY ARE COVER. FAMILY COVER COMES WITH FLOATER OPTION IN ONE PARTICULAR MEMBER IS PRIVILEDGED TO USE TOTAL SUM ASSURED

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Visit us : www.myinsurancebazaar.com, Talk to Advisor: 18001028550 INSURANCE REGULATOR GUIDELINES IRDA “ “ POLCYHOLDER SERVICING TURNAROUND TIMES

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Visit us : www.myinsurancebazaar.com, Talk to Advisor: 18001028550 FINANCIAL PLANNING & INSURANCE “ “ HEALTH HEALTH FACTORS THAT AFFECTS FINANCIAL PLANNING THERE ARE MAIN FACTORS RELATED TO HEALTH WHICH CAN SERIOUSLY AFFECT ONE’S POCKET.TO SAVE ONESELF FROM FINANCIAL EMERGENCY BECAUSE OF THESE HEALTH CONDITIONS HEALTH INSURANCE IS PRESCRIBED: THE VARIOUS HEALTH CONDITIONS : CRITICAL ILLNESS: THERE ARE A LIST OF CRITICAL HEALTH ANAMOLIES LIKE HEART ATTACH,CANCER ETC WHICH ARE DANGEROUS IN NATURE AND INVOLVED A LOT OF COST EXPENDITURE TO RECOVER FULLY LONG TERM CARE: REDUCED PHYSICAL AND MENTAL ABILITIES CAN LEAD TO SUSTAINABLE INVESTMENT IN HEALTH CARE.THIS CAN HAPPEN IN ANY STAGE OF LIFE. THE TREATMENT IN THIS CASE MIGHT REQUIRE CONTINOUS ADDMISSION IN A HOSPITAL FOR A LONGER PERIOD OF TIME AND CONTINUED HEALTH MONITERING . PERMANENT DISABILITY: IN CASE OF PARTIAL OR PERMANENT DISABILITY , PATIENT MAY HAVE TO SHED OUT AMOUNT OF MONEY AT REGULAR INTERVALS WHICH IS ALWAYS A FINANCIAL RISK OTHER THAN THE RISK ASSOCIATED WITH LOSS OF INCOME. HOW FINANCIAL PLANNING SHOULD BE LOOKED AT ? LOOKING AT THE FINANCIAL EMERGENCY WHICH MAY ARISE BECAUSE OF STATED HEALTH CONDITION CAN SERIOUSLY AFFECT THE OVERALL FINANCIAL PLAN. ONE NEEDS TO DO FEW THINGS TO INSURE BETTER PLANNING: EVALUATE THE RISK WELL IN ADVANCE CONSIDERING THE COST INVOLVED AT CURRENT MARKET RATES RATE OF INFLATION AND HEALTH CARE INFLATION NEED TO BE KEPT IN MIND.

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Visit us : www.myinsurancebazaar.com, Talk to Advisor: 18001028550 ALWAYS MAKE A SMART HEALTH INSURANCE MOVE, COMPARE & BUY ONLINE “ “

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