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The popularity of the insurance plans is increasing by leaps and bounds in the various demographic regions pan globe. Health plays a pivotal role in the life of a person and it is one of the greatest boons a person can have. Diseases and disorders come without a signal or warning and need hospitalization, many a time. A large sum of money is spent on the medicines and hospital bills and without a good health insurance plan by his/her side, an illness may financially drain a person. It may have catastrophic results and the person suffering from an illness may virtually land into bankruptcy. In order to avoid such problems, icici lombard offers many health insurance plans. An overview of the benefits of these plans are enlisted below-
• The plans are flexible enough to suit the needs of most individuals. The diverse range of health insurance policies are designed keeping in mind the need of an average Indian man/ woman. So, one can select the plan that meets the needs of the individual in the best possible manner.
• One has the option to select his/her plan, premium and coverage. Quite often as a responsible person, a man would like to take a plan that will protect his whole family and pay for the massive bills, in case he or his family member is hospitalized. The health insurance plan can be tailored to meet his budget and requirements. A comprehensive coverage with floater benefits is available for the entire family.
• By taking health insurance one gets tax benefits in accordance with the tax laws of Indian Government. For a claim free year, the policy holder is rewarded by the company by giving him/her additional sum assured.
• A minimum entry age of 3 moths is there but there is no maximum entry age.
• Cashless claims facility eliminates the needs of paying the expenses in cash and this is also a prime reason that people like to go for companies which offer such facility. icicilombard.com has a huge network of over 4,000 hospitals in different parts of the country whereby a person may avail the facility of cashless claims.
• The best part of these insurance plans is that along with the plans, one gets many value added services like an online chat with the doctor, a free health check-up, consultation with nutritionist , specialist consultation and a discount coupon book. One follow-up session with the specialist is also included. The coupon book makes a person eligible for enormous discounts on investigations, out-patient consultation in various hospitals of repute, optical products, dental services etc.
• To get the various deals associated with the discount coupons, one has to display his/her UHID card and the coupon to the service provider.
• In the complete health insurance plan, one gets a guaranteed lifelong renewability. There is virtually no entry age and no sub-limits. However, in order to reduce the premium, many people prefer to opt for sub-limits. If a person is less than 46 yrs old, no medical tests are required for availing the insurance cover.