Health Insurance kya hai aur kyu jaruri hai

Health Insurance ek aisi policy hai jisme insurance company aapke medical kharche cover karti hai. Isse aapko bade hospital bills apni jeb se nahi bharne padte. Aaj ke time me health insurance lena isliye zaruri hai kyunki medical treatment bahut expensive ho chuka hai.

Health Insurance kaise kare apply

Health Insurance apply karne ke liye aapko insurance company ki website par jana hota hai ya agent se baat karni hoti hai. Wahan form bharna, documents dena aur premium pay karna hota hai.

Health Insurance ke types kaun se hai

1. Individual Health Insurance
2. Family Floater Health Insurance
3. Senior Citizen Health Insurance
4. Maternity Health Insurance
5. Group Health Insurance
6. Critical Illness Insurance

Health Insurance ke benefits kya hai

1. Cashless Hospitalization
2. Tax Benefit
3. Pre & Post Hospitalization Cover
4. Critical Illness Coverage
5. Family Protection

Health Insurance ka premium kaise calculate hota hai

Premium ka calculation age, sum insured, medical history, location aur plan type par depend karta hai. Insurance calculator tools online available hote hain.

Health Insurance plan choose kaise kare

Plan choose karte time hospital network, coverage, premium affordability, claim settlement ratio aur add-on benefits check karna chahiye.

Health Insurance ka tax benefit kaise milega

Section 80D ke under, health insurance premium par tax deduction milta hai. Family aur parents ke liye alag-alag limit hoti hai.

Health Insurance claim process kaise kare

1. Cashless Claim – Hospital tie-up ke through direct claim.
2. Reimbursement Claim – Pehle bill pay karke baad me claim.
3. Health Insurance policy renewal kaise kare
4. Policy ko expiry se pehle online ya offline renew karna hota hai. Renewal par premium badh bhi sakta hai.

Best Health Insurance company kaun si hai

India me popular companies:

1. Star Health Insurance
2. HDFC Ergo
3. ICICI Lombard
4. Aditya Birla Health
5. Care Health (Religare)

Health Insurance online kaise kare

Insurance company ki official site ya Policybazaar, Coverfox jaise portals par compare karke online policy buy ki ja sakti hai.

Family Health Insurance plan kaise le

Family floater plan ek hi sum insured ke andar family ke sabhi members cover karta hai. Ye affordable aur beneficial hota hai.

Health Insurance vs Mediclaim difference

Mediclaim sirf hospitalization cover karta hai, jabki health insurance OPD, critical illness aur preventive health check-ups bhi cover karta hai.

Health Insurance ke documents kya chahiye

1. Aadhaar Card
2. PAN Card
3. Address Proof
4. Passport Size Photo
5. Medical Reports (agar zarurat ho)

Health Insurance me pre-existing disease cover hoti hai ya nahi

Pre-existing diseases waiting period ke baad cover hoti hain, jo 2 se 4 saal tak ho sakta hai.

Health Insurance ka settlement ratio kya hota hai

Settlement ratio batata hai ki insurance company ne kitne claims approve kiye. High settlement ratio wali company choose karni chahiye.

Health Insurance India me kaise kaam karta hai

Aap premium bharte ho aur jab medical emergency hoti hai to company aapke kharche cover karti hai.

Health Insurance ke liye best age kya hai

Health Insurance lene ki best age 25–35 ke beech hai kyunki is age par premium kam hota hai aur coverage zyada milta hai.

Health Insurance ka cashless treatment kaise milega

Cashless facility tabhi milti hai jab hospital insurance company ke tie-up list me ho.

Health Insurance me OPD cover hota hai ya nahi

Har policy me OPD cover nahi hota. Special add-ons lene par OPD consultation bhi cover ho sakta hai.

Health Insurance government scheme kaise le

Ayushman Bharat Yojana jaise schemes government provide karti hai jisme garib families ko free health coverage milta hai.

Health Insurance ka waiting period kitna hota hai

General diseases ke liye 30 days, aur pre-existing diseases ke liye 2–4 saal ka waiting period hota hai.

Health Insurance parents ke liye kaise kare

Parents ke liye senior citizen health plan best hota hai jisme zyada coverage aur OPD facilities bhi milti hain.

Health Insurance maternity benefits kaise milega

Maternity cover add-on ke through milta hai jisme pregnancy aur newborn baby cover hota hai.

Health Insurance student ke liye kaise kare

Abroad study karne wale students ke liye special student health insurance available hai jo visa requirement bhi fulfill karta hai.

Health Insurance compare kaise kare

Policybazaar, Coverfox, PolicyX jaise portals par features aur premium compare karke best plan choose kiya ja sakta hai.

Health Insurance ka renewal grace period kitna hai

Policy lapse hone ke baad 15–30 din ka grace period milta hai jisme renewal karna possible hota hai.

Health Insurance policy cancel kaise kare

Company ko written request dene par policy cancel ho sakti hai. Kuch deduction karke refund bhi milta hai.

Health Insurance NCB (No Claim Bonus) kaise milega

Agar aap ek saal claim nahi karte to next year aapko bonus coverage milta hai ya premium discount milta hai.

Health Insurance cashless hospital kaise check kare

Insurance company ki official site ya helpline par cashless hospital list check ki ja sakti hai.

FAQ

Q1. Health Insurance aur Mediclaim me kya difference hai?

Ans: Mediclaim sirf hospitalization cover karta hai, jabki health insurance broader coverage deta hai.

Q2. Kya Health Insurance sab disease cover karta hai?

Ans: Nahi, kuch diseases waiting period ke baad hi cover hoti hain.

Q3. Kya ek se jyada Health Insurance policy le sakte hain?

Ans: Haan, aap multiple policies le sakte hain aur claim bhi kar sakte hain.

Q4. Health Insurance lene ka best time kya hai?

Ans: Jab aap young aur healthy hote hain tab lena best hota hai.