You must have health insurance
Medical expenses are one of the major sudden expenses. This is an expense that puts the entire family in debt and trouble, due to which you can increase the financial burden in case of a medical emergency.
The concept of health insurance is quite simple. You pay a small amount monthly to the insurance company. You pay a small amount of premium and in return, the insurance company pays you a huge amount in case of a medical emergency, so today I am going to show you how you can choose the best health insurance plan for yourself and your family and how.
You can buy it online, so let’s start. You will find it in the description, in this, you will select whom you want to cover in health insurance, like yourself, your wife, your children, your parents, or any other family. You will select the members here for example, if you have a small family in which you, your wife, and your children are there, then accordingly you will select them here, you will continue to select what is the age of your wife and children.
You will select it here, after that Continue, you will enter the city name or pin code, after this, Continue, select your gender, Male, Female, after this, enter your name here, enter a mobile number, after this, Continue, whom you are doing in this policy.
If any of them has any of these diseases, then you will select it otherwise. You will leave it as it is. If there is any surgical procedure, then you will cure it otherwise, you will leave it as it is. Below you will tick none of these. If so, you can check it here. You will get the plans as per the details given here, plans will appear in front of you as per the details given here, 79 plans have come here, the whole family. If the tax is done in one plan, then here you can see the plans.
You will scroll down and all the plans will appear in front of you. In this plan, you will get a cover amount of lakh rupees. There are 174 cashless hospitals and for this, you will have to pay a premium. 1591 rupees per month, similarly you can also see other plans here, such as how much tax you will get in the plan, how many cashless hospitals there are in the plan, and how much premium you will have to pay for it.
There are different plans in the same company. So you will click here, and more plans will appear in front of you. You will get filters, and you can supply filters.
If you want to see the plan at the lowest premium, then you can see it here
If you want to see the plan with the lowest premium, then you will select this option here, after this you will click on Applause All Features, then all the features of the plan will appear in front of you, like there is no limit on room rent in this plan, in this, you will get a cover of Rs 7 lakh.
If you do not claim for the entire year, then you will get a no-claim bonus of Rs 10.30 lakh. You can see all the features here. If you click on Claims, then here you will get claim storage.
You can read here, you can read the stories of people who have already taken the claim here, what will be the procedure for making the claim, you can see the claim process here.
A hundred percent bill amount of the hospital will be paid through the insurance company.
In case of an emergency, you will have to inform your DRM or you will have to call this number, they will reach your location and after completing all the formalities, they will provide you with the claim.
If you click on this to see cashless hospitals, then all the cashless hospitals will appear in front of you. What is included in this plan, if you want to see a hospital at this location, you will select it here, which hospitals are available at that location, we will give you a list of them, how much will be your total premium, and what will be the effective cost.
If you click on ‘C’ then you will get the details like the tax amount will be Rs. 7 lakh, and you can avail tax benefit of Rs. 5726 in section 80d.
Also, you will get savings of ₹ 2000 on doctor consultations, so your effective cost will be ₹ 11360.
According to whatever plan you make and whatever details you fill in, your premium may be higher. After this, click on proceed. In this you will file your details like your name, PAN card number, address, and contact details, then continue, you will fill in the details of your family members who are being included in this policy, you will enter a name, date of birth, height, and weight, all After filing the details, you will click on proceed.
After this, some questions related to medical conditions will come in front of you, and then you will select those on which it is applicable, otherwise, you will select not applicable.
You will select here who you want to become the nominee, after this. Review and Pay: All the details will appear in front of you, you will check once, and after this proceed with the payment through your debit card, credit card, internet banking, UPI, or EMI.
As soon as the payment is successful, your policy will be paid. So in this way, you can choose the best health insurance plan and buy it online.
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