However, the availability of numerous options in the market has made it difficult and rather complicated to buy a suitable health insurance policy. Without a detailed and comprehensive knowledge of facts related to policies available under medical insurance in India, one may make the wrong choice.
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Before buying any medical insurance policy check the different type of plans available. This will help you choose the best deal. Medical insurance in India offers you the following plans:-
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Group insurance:
Group insurance provides medical insurance to groups like employees of an organization, members of a co-operative society etc.
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Individual:
Individual insurance policies are exclusively created for the specialized requirements of individuals. Generally individual insurance plans have higher premium rates.
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Floater:
This plan caters to both a group of people and individuals. For e.g. an entire family is well insured under this plan under a single premium.
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Critical illness insurance:
For illnesses such as heart trouble, cancer, failure of kidney etc, health insurance companies offer a critical illness plan where the coverage amount is paid on diagnosis of the disease and not as a reimbursement of medical expenses.
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