What is Health Insurance?

Health insurance policies make sure that you or your loved ones have the means to get treated at the time of a health crisis. The insurance plan ensures that you can afford medical facilities when in need. Without a health insurance policy, you have to bear all the medical expenses. We are all aware of how unaffordable medical expenses are these days. Sometimes the process of claim settlement might be difficult but still, it is better to get a health insurance plan in these testing times. But what are the different kinds of health insurance policies? Let’s find out.

 Types of Health Insurance Policies

  1. Individual Health Insurance: An individual health insurance plan includes the family of an individual like his spouse, children or parents. These kinds of policies work in a way that ensures an individual sum of money for every member of the family. Individuals in the age group of 18-70 can buy individual health insurance policies.
  2.  Family Floater Health Insurance: Even though it is advised not to include family members who are above 60 to be included in a floater plan, it is an affordable policy compared to the individual health insurance plan. A single amount insured for the family covers all the members which make it a cheaper plan.
  3. Senior Citizen Health Insurance: Under this plan, any citizen who is above the age of 60 years is bestowed with the benefits. If your parents or any family member falls under this age bracket then they must get them registered for a senior citizen insurance plan. This policy would take care of all health expenses of such people from hospital charges, medical charges to even diagnostic tests. 
  4. Maternity Health Insurance: The insurance management for a maternity insurance policy includes all kinds of expenses related to the maternity period. The insurance plan focuses on the pre as well as post-maternity expenses incurred by couples. The couple who is planning to start a family and have a child must buy maternity health insurance.
  5. Critical Illness Insurance: No individual can be certain about their health and some critical diseases can be faced by any person at any point of time in their lives. We need to ensure that we are ready to face such situations. This kind of policy covers all types of critical diseases and their treatments like heart attacks, cancer, paralysis, strokes or even kidney failure. We should not waste time after being diagnosed with any serious disease and must instantly buy a critical health insurance plan according to our needs.

People can afford medical insurance but they can’t ensure they will get easy claim settlement for their policies. The Claim Consultants is a third-party claim insurance management company that bridges the gap between an insured person and the insurance company. It is easy to buy an insurance policy but not easy to get an easy claim settlement. This is where The Claim Consultants comes into play. It makes the procedure for claim settlement quick and easy. If you are looking for a solution fr instant claim settlement for your insurance management, then The Claim Consultants is the right place for you.