5 Reasons Why Health Insurance Is Important

The health insurance covers personal accident, education grant, hospital cash, travelling baggage, public liability, and critical illness too. It has a wide coverage starting from health to home. The coverage age band of Star Package is from 3 months to 55 years. There are no sub-limits applicable on the charges of room.
It also has an access to more than two thousand four hundred hospitals across India which offers cashless facility. One of the benefits with good health Insurance is hassle free claiming process due to in-house management. Thus, when you are planning for taking up Star package by Bajaj health insurance, always study the coverage of sum insured. This will let you know the total sum which can be claimed.

Reasons why Bajaj Health insurance is so important these days

• Star Package Health insurance plan covers the pre medical expenses which are incurred before 60 days of being admitted to hospital as well as post medical expenses after 90 days of being hospitalized. This is true for Bajaj health insurance and many more renowned insurance companies. The coverage for health conditions which are pre- existing is only after a period of four years of continued renewal.
• The policy also covers expenses which are related to calling an ambulance in cases of extreme emergency. Most of the costs incurred due to sudden illness are covered by health insurance policies.
• The cashless hospitalization facility is one of the biggest benefits that health insurance importance is all about. Even if you don’t have cash, the treatment will continue. The approval comes within a day or two and thus causes quite less delay in treatment.
• There is an easy claim process which is administered by the in-house members who help you claim the sum assured hassle free. There must be an immediate report to be given by the insured to the insurance company which can be in any form- either by e-mail or letter or by telephonic calls. But the disease or injuries which are already existing when you are taking up the policy is excluded from the list. Also, if you have contracted any kind of disease within a period of thirty days (first 30 days) of commencing of the plan, is excluded from the list.
• Insurance plan in emergency is something that makes sense in the fast moving world. Most of the big insurance companies provide this coverage at the best rates possible. This policy plan floated by Bajaj Allianz is perfect health insurance plan for the insured and their family. The policy plan includes coverage in case of serious illness or accidents. The insured gets a complete family protection when it comes to pay hospitalization charges. The coverage is of one lac for hospitalization and one lac in case of death of the insured. When there is an emergency, the ambulance charge up to a maximum of rupee one thousand is also covered under insta Insure plan. The premium policy has different plans according to the chosen option, like self plus spouse or self plus spouse plus one or two child as the case may be.

The health insurance importance can be understood by reading the complete terms and conditions of proposed plan. Bajaj Allianz gives you complete care with definite assured sum as per the quote you have selected.