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edit: C:\inetpub\wwwroot\prekshainvestments.com\health.html

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                  <p><strong>WHAT IS HEALTH INSURANCE?</strong></p>
                  <p>Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider. </p>
                  <p>In health insurance terminology, the "provider" is a clinic, hospital, doctor, laboratory, health care practitioner, or pharmacy. The "insured" is the owner of the health insurance policy; the person with the health insurance coverage.</p>
                  <p><strong>TYPES OF HEALTH INSURANCE PLANS:</strong></p>
                  <p><strong>1) HOSPITALIZATION PLANS:</strong></p>
                  <p>Hospitalization plans reimburse the hospitalization and medical costs of the insured subject to the sum insured. For this reason, the plans are also known as indemnity plans.</p>
                  <p>The sum assured can be fixed - for a member of the family in case of <strong>individual health policies</strong> or â  for a family as a whole in case of a <strong>family health insurance policy.</strong></p>
                  <p>For instance, consider a three-member family with an individual cover of Rs. 2 lakh each. Each member can claim reimbursement for a maximum of Rs. 2 lakh as all three policies are independent.</p>
                  <p>If the family applies for a family health plan cover of Rs. 6 lakhs, then any family member can claim medical benefit for more than Rs. 2 lakh so long as it is within the overall sum assured of Rs. 6 lakhs.</p>
                  <p><strong>2) HOSPITAL DAILY CASH BENEFIT PLANS:</strong></p>
                  <p>A hospital cash plan pays you a specific prefixed amount for each day you are hospitalized. The number of days for which this benefit is paid is typically capped. This plan is useful to cover ancillary costs (medical and non-medical) that are not covered under health insurance plan and to provide for loss of income during hospitalization ( for self-employed ). While deciding this plan you need to look into Daily cash limit, Number of days of coverage in a policy year and eligibility (or pre-conditions) for claiming the benefit.</p>
                  <p><strong>3) CRITICAL ILLNESS PLANS:</strong></p>
                  <p>These are benefit-based health insurance plans which pay a lumpsum amount on diagnosis of predefined critical illnesses and medical procedures. The illnesses are specified at the outset. By nature, critical illnesses are high severity and low frequency and cost of treatment is higher compared to regular medical problems like heart attack, stroke, among others.</p>
                  <p><strong>REASONS TO BUY HEALTH INSURANCE:</strong></p>
                  <p><i class="fa fa-angle-right"></i> Rising Cost of Treatments: Medical treatments cost rise by 15% every year due to Inflation.</p>
                  <p><i class="fa fa-angle-right"></i> Financial Security: Gives you financial security and quality healthcare access for expenses like hospitalization, day care treatments and even OPD expenses.</p>
                  <p><i class="fa fa-angle-right"></i> Tax Benefit: Saves your tax under Section 80D up to INR 55,000 every year</p>
                  <p>Once you buy a health insurance plan, you might feel relaxed that you have covered you and your family against any possible hospitalization in future. But if you don't go through the exclusion section of your policy, then you might get surprises at the time of claim. So before finalizing on any health insurance plan go through its <b>exclusion</b> and select the one which has least number of exclusions and are clearly defined.</p>
                  <p><strong>Pre-Existing Diseases</strong> are those which you are suffering from before opting to buy a health insurance plan, and therefore insurance companies do not cover them from day 1 of your policy. They have a waiting period ranging between 2-4 years in which they will not be liable for any claim arising on account of your pre-existing disease. Therefore you should look for health plans which will cover your existing disease and have the least number of years of waiting period.</p>
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name	size	mtime	actions
[D] calculators	-	2020-06-05 19:21	del ren
[D] css	-	2020-06-05 19:19	del ren
[D] fonts	-	2020-06-05 19:20	del ren
[D] images	-	2020-07-08 18:17	del ren
[D] js	-	2020-06-05 19:20	del ren
ABOUT US.docx	14577	2020-07-08 18:16	edit get del ren
about.html	5099	2020-07-08 18:16	edit get del ren
calculator.html	7389	2020-07-08 18:16	edit get del ren
ClientDesk.html	705	2020-07-08 18:16	edit get del ren
contact.html	11591	2020-07-08 18:16	edit get del ren
estate-planning.html	10024	2020-07-08 18:16	edit get del ren
financial-planning.html	7654	2020-07-08 18:16	edit get del ren
fundz-bazar.html	3469	2020-07-08 18:16	edit get del ren
FundzBazar Customizelink....doc	23040	2020-07-08 18:16	edit get del ren
general-insurance.html	7145	2020-07-08 18:16	edit get del ren
health.html	8546	2020-07-08 18:16	edit get del ren
index.html	27282	2020-07-08 18:16	edit get del ren
ins.html	6855	2020-07-08 18:16	edit get del ren
life.html	8563	2020-07-08 18:16	edit get del ren
login.html	5315	2020-07-08 18:16	edit get del ren
mutual-fund.html	8681	2020-07-08 18:16	edit get del ren
Prudent Partner Format (Website & Mobile App).xls	28160	2020-07-08 18:16	edit get del ren
retirement-planning.html	6958	2020-07-08 18:16	edit get del ren
tax-planning.html	6575	2020-07-08 18:16	edit get del ren
wealth-planning.html	6023	2020-07-08 18:16	edit get del ren