Be a Smart Brother; Gift Your Sister a Health Insurance Policy This Rakhi

Festival of Rakhi is around the corner and if you are looking at options to gift your sister, a health insurance policy can be the right pick.

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      Rakshabandhan is a festival that celebrates love and adoration among brothers and sisters. Rakha-bandhan, in literal terms, means a knot of protection. On this auspicious occasion, a brother promises to give a lifelong protection to his sister. And, when the sister ties a Rakhi around her brother’s wrist, he gives her a present in return.

      You too must be thinking of a gift for your sister. This Rakhi, you can get her a health insurance policy that will not only provide financial security in the future but also offer protection for the rest of her life.

       

      Why Should You Get a Health Insurance Cover for Your Sister?

      There are n numbers of reasons to buy a health insurance plan for your sister. These are:

      • It will guard the expenses incurred on hospitalisation including charges for a room in case of any medical emergency.
      • The hospitalisation expenses accommodate several expenses like surgical appliances, other devices embedded internally, prosthetics, consumables and drugs, medicines, oxygen, blood, anaesthesia, operation theatre, ICU, and cost of lodging.
      • Many policies cover pre-hospitalisation as well as post-hospitalisation charges.
      • Expenses incurred on maternity and a cover for new born baby is included.
      • Day care process that does not require hospitalisation for 24 hours.
      • Health check-up expenses after an interval.

      Gift your Sister a Health Insurance

      Coverage and Benefits under Health Insurance Policy:

      • Hospitalization Expenses:

      Each of the health insurance policy covers the medical therapy cost incurred if the policy holder encounters a medical emergency.

      • Day Care Procedure:

      With the advent of technological developments in medical technology, there are various health problems that require hospitalisation for not more than 24 hours. The medical remedies that do not require hospitalisation or require less than a day of hospitalisation are called day care procedures. Nearly all the popular health insurance policies offered in the insurance sector in India cover the expenses incurred because of such day care procedures.

      • Cashless Hospitalisation Facility:

      Most of the popular health insurance policies cater to a facility of cashless hospitalisation to the insured. The cashless facility offered by the insurer is made available for the insured at all the network hospitals of the insurance provider. The cashless hospitalisation facility’s claim procedure is very quick and easy.

      • Room Rent:

      Many of the well-known health plans cover the expenses incurred on room rent because of hospitalisation. Some health schemes cover the total expense, whereas a few insurers only cover a certain percentage of the total expenses in the current hospital for rent.

      • Domiciliary Expenses:

      Health insurance policy also covers the domiciliary expenses, in case you require some special sort of therapy like acupressure, acupuncture or remedies including Ayurveda, or Unani medicinal procedures.

      The coverage options will vary from policy to policy. The sum cover will depend upon the plan chosen by you. Many of the health insurance policies cover the pre-existing ailments after a particular point of time. It is recommended to buy a health cover as early as possible because of lesser premium rates.

      Brothers and sisters share a special bond. Giving a health insurance cover for your sister’s life might be the right way to show her that you really care. All the insurers offering general insurance provide an array of health insurance plans. These insurance firms have an innkeeper of various products to cater to the various requirements of a customer.

      Some of the health plans cover maternity and pregnancy charges up to certain limit while some schemes might not come with such an option. It is recommended that you invest a little time to glance at the policy coverage and its exclusions before buying a health plan for your beloved sister.

      Now that Health Insurance Portability has implemented in India, this option gives your sister the freedom to switch her health cover from one insurance company to another. If in future, your sister feels that her existing health insurance plan is not adequate enough as per her requirements, she can move over to a different plan without losing out any benefits earned by her on the previous plan.

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      General Tips to Buy a Health Insurance Policy for Your Sister:

      • Look for Apex Insurance Plans:

      In order to look for an apex health insurance plan for your sister, you will have to delve into a wide range of similar health plans existing in the market. Remember to seek various health plans before you finalise one.

      • Buy via Insurance Aggregator:

      It is understood that the insurance companies will uphold a higher level of transparency than any other agent or broker while buying the best insurance policy for your sister. A policy can be bought online after understanding it comprehensively. However, while purchasing a plan through an online insurance aggregator, you will receive the facility to make comparisons among different health insurance plans and choose the best for your sister.  

      • Look for an Affordable Health Insurance Policy:

      Medical insurance assists you to avoid the high costs incurred during hospitalisation, in case you come across any medical emergency that causes emergency hospitalisation. There is no use of paying such massive medical bills. Insurers provide healthcare cover at affordable premiums that you can benefit as per your own convenience.

      • Do not Compromise on Coverage and Benefits:

      Bear in mind; buy a health plan offering all the benefits crucial for your sister. Do not buy a health cover that needs a lower premium and offers limited cover. You must read the policy document carefully that will assist you in knowing the actual benefits that a plan offers.

      • Look for Cashless Benefits:

      This is one of the prime features, which refers to the crisis assistance, in case you face any medical emergency. It will assist you in availing the benefit of cashless treatment at the network hospitals of your insurer.

      • Review Your Current Policy and Seek Options to Port:

      If your sister already has a health insurance cover that meets all her medical requirements and she is still young and healthy, you can avail the option of porting the existing policy into another health plan available at a moderately lower premium. You can also choose to port into a fresh plan offered by another insurer if required. In this case, you have to notify your insurer about such requirement 2 months prior to the renewal date of the upcoming policy.

      The chances of portability are slim, in case you have already made claims under the existing health cover, or have been diagnosed with a critical illness. One thing you can attempt in this scenario is that get add-on coverage from your existing insurer.

      Investing your money in a health insurance plan is a wise option. More people are choosing it as a gift solution for various occasions, Rakhi being one of them.

      Hope you can buy the best health insurance policy for your sister this Rakhi. If you still get confused with several health insurance plans, ask your insurance broker or agent to assist you or you can get hold of the customer care executives of the insurer directly.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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