Safety net for you and your loved ones
Term and Health Insurances
What medical expenditure does a Health Insurance Policy Cover?
Don’t wait until it’s too late – Protect yourself and your loved ones today with Fincart’s best health insurance solutions. Our health insurance planner and advisor help you find the right plan, Trust Fincart for reliable health insurance services that ensure peace of mind for you and your family.
Safeguard Your Health with Comprehensive Insurance Coverage
What is Health Insurance?
Health insurance is a financial safety net that covers medical expenses arising from illnesses, injuries, or hospitalizations. It helps individuals and families manage healthcare costs by providing coverage for treatments, surgeries, and other medical services.
Why Is Health Insurance Important for Your Family’s Well-being?
Loved ones falling sick with any critical disease is emotionally draining. It disturbs the entire family and it certainly is a big financial burden. Further, medical inflation has remained high year on year. Health Insurance can’t reduce the emotional upheaval but can take off the financial concerns.
Tax Benefits Under Section 80D
Coverage of Medical Expenses
Lifetime Renewability Benefits
Why Choose Plus Finance ?
We understands a client's requirements and customized insurance plan fulfilling all the specifications with the assurance of good return and no risk.
Health insurance calculator supported by advance channel of technology.
Providing solutions to deal with the rising medical costs.
I had an excellent experience! The service was outstanding.
Jiten Shah
How to Determine the Right Health Insurance Coverage for You?
To understand the required amount, there are a few things to consider: your current age, your hospital preference, your & family’s health condition, affordability, etc. Healthcare costs vary from one hospital to another due to status & facilities. However, our relationship managers structure the health insurance coverage with a very high hospitalization coverage with the least possible premium. Further, these help you save tax optimally under section 80D of the Income Tax Act.
What Medical Expenditures Are Covered Under Health Insurance?
You didn’t come this far to stop
A health insurance policy covers all medical expenses as per the terms and conditions mentioned in the policy documents. But today, most health insurance plans cover hospitalization expenses including hospitalization, daycare treatments, medical tests, ambulance services, specialist consultation charges, etc.
There are generally 2 kinds of medical expenses-
Pre-Hospitalization Expenses: What’s Covered?:
In Pre-hospitalization medical expenses covers tests, including blood tests, urine tests, etc. The expenses you incur before getting admitted are called pre-hospitalization expenses.
Post-Hospitalization Expenses: What’s Covered?:
After you get discharged from the hospital, do the medical expenses stop? In most cases, it does not. The costs incurred after discharge is called post-hospitalization expenses. It generally includes medications, therapy, and medical tests to monitor your health and recovery.
Frequently asked questions
I have company policy. Why should I go for an individual health insurance policy?
It’s good you have a company policy, but it is valid till you are a part of that organization. Secondly, a company health insurance policy comes with a certain limitation when it comes to coverage. However, with an individual health insurance policy you have its accessibility till the time you survive.
Is there anything that is not covered with the Health Insurance Policy?
Yes! There are certain illnesses that are excluded from the 1st year of coverage. For instance, the cost of contact lenses or spectacles, and hearing aids are not covered. Then cosmetic surgery, any pre-existing illness, infertility, or pregnancy-related complications, diseases related to overconsumption of alcohol or drugs.
Is my health insurance going to cover my family?
Yes, of course! Depending on your plan, you can include coverage for yourself, your spouse, children, dependent parents, and siblings, among others.
How can I make claims under a health insurance policy?
For Planned hospitalization treatment one can apply a few days in advance, this ensures that you have the basic expense approved before you get hospitalized. For unplanned expenses, you can present the hospital card to the hospital’s TPA. They will receive approval. The treatment can also be founded and reimbursed.
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