There is no situation worse than seeing your loved one in any medical emergency. To get them out of that situation, every person does their best to put things in the right way. But it is very important to plan things so that at the time of emergency, there are fewer chances of chaos. So, the investment of the person in the health insurance plan becomes very important. Many top-up health insurance companies are coming up with the best health insurance plans which are great in terms of the benefits.
There is a huge variety of health insurance plans available in the market. Here is the list of the some given below:
- Individual health insurance plan: It is the plan that provides the policyholder with a cover for medical expenses himself/herself, spouse, children, or parents. This type of health insurance plan will provide covers for any illness or injury-related hospitalization, room rent, day care expenses, surgery expenses, medicines, etc. In this health insurance plan, every member will be provided it’s the individual sum insured so the premium for such plans might be high. All the individuals that fall in the age category of 18 to 70 years are eligible to buy this plan.
- Family floater health insurance: If you are someone that wants to go for the affordable option of health insurance. This is a great plan for you to invest in as it is a single plan that will provide cover to all the family members registered under this process. In this policy, parents, children, and spouses can be included but make sure that no [person from the family is above the age of 60 years.
- Group health insurance: This is the type of health insurance policy that is designed for the group of employees working in an organization. Many of the organizations are providing this facility to secure the safety of their employees. It will cover all the expenses of the employee that is hospitalized due to accident, illness, maternity, or psychiatric illness. This is the policy that not only provides safety but also enhances the overall goodwill of the organization.
- Senior citizen Health insurance: This is the health insurance that is purely dedicated to the people that are above the age group of 60. If your parents or grandparents fall in this group, it is a great option for you to pick up. It is very important because people of such age are more prone to critical illness. So, it will provide financial support at old age.
- Critical illness insurance: It is the health insurance policy that is specifically designed to provide cover for critical illness. It is dedicated to health issues like cancer, stroke, kidney failure, paralysis, etc. If the person is having any such problem in their family health history, it will be great for them to keep them insured with such a policy.
So, according to your preference, the person can look for the best options for the health insurance policy.
