A quality healthcare is a challenging process. It's a critical issue whose importance is recognized in all the aspects of a society. Before opting for health insurance plan, the need is to make a good research because both private players and government organizations are competing with each other in order to attract the maximum customers, thus creating an overall confusion with a wide range of plans. Health insurance estimates the overall risk involved in healthcare expenses and develops a routine finance structure of monthly premium and annual tax, ensuring that the money will be made available as per the insurance agreement. Generally, people of higher age prefer these plans. But it is also important for younger generation to start planning for their future in order to lead a financially secure life in the later years.
There are different types of health insurance plans
Group insurance offers medical insurance to the groups like employees of a company, members of an association or a co-operative society and so on.
Individual insurance caters to the special needs of the individuals. Premium is comparatively high for this kind of insurance.
Floater plan can be availed individually or by all the members of the family. It provides single premium for the entire family
Health insurance plans can be further categorized as:
Nowadays, few more health plans are readily available in the market as:
Healthcare covers a wide range of insurance policies that include costs of doctors and hospitals or payment for long-term care. Healthcare plans can be accessed effectively by pursuing the following significant ways
Today, most comprehensive research shows that the current market scenario is covered with a wide variety of health insurance plans. People also prefer to examine each case of health policy before actually opting for it in order to protect themselves high healthcare expenses.
In 1694 Hugh the Elder Chamberlain proposed the idea of health insurance. Later in the late 19th century "accident insurance" was introduced and operated as modern disability insurance.
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