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Health insurance covers medical expenses incurred by the policyholder or their covered dependents. These plans can cover a wide range of medical expenses, including hospitalization, prescription medication, surgeries, diagnostic tests, and more. However, the specific coverage and limitations of a plan depending on the policy provider. Health insurance plans are classified into several categories based on the level of coverage they offer and varying premiums and out-of-pocket costs.
An individual health insurance policy is a policy that must be purchased separately for each individual in the family. This allows the policyholder to customize the policy based on their specific health and needs.
Plans cover your entire family under one policy, unlike individual plans. This is an ideal plan for a married couple with one to two kids, as the whole family can be covered under one umbrella and enjoy the benefits together.
These are the same as ‘family floaters’ but it usually covers a group of members from a professional association.
As people age, they face increasing health risks and uncertainties. Therefore, there are exclusive health insurance plans designed specifically for people aged 65 and above. These policies cater to the medical expenses that are typically associated with the elderly population. Specific plans may also cover pre-existing illnesses, offer cashless hospitalization, and provide a higher insured sum.
Disease-specific health insurance provides coverage for a specific illness. Also known as niche plans, they cover the astronomical treatment expenses for specific life-threatening illnesses for which the plan has been purchased. This type of plan is suitable for people with a family history of specific ailments, and acts as a safety net to bear the burden of hefty medical expenses associated with the illness.
Critical illness plans differ from disease-specific plans in that they cover a range of life-threatening illnesses. The premium for these plans is slightly higher than that of the former, as they cover various diseases and ailments under their umbrella. It can be combined with existing health insurance to create a wider safety net in case of unfortunate events.
Traveling becomes a lot more fun when you know it's secured! Travel insurance just does that. It ensures unforeseen events during one’s traveling. However, one must ensure what scenarios the specific travel insurance covers.
Unfortunately, accidents can happen at any time. For such situations, personal accident insurance provides coverage for accidents resulting in loss of life, injury, and even financial loss due to the accident.
Under Indian law, motor insurance is mandatory and provides coverage for unexpected expenses incurred due to accidents or theft of the motor vehicle. It can be broadly divided into two categories
Mandatory under law, without this policy, it would be illegal to drive a motor vehicle in India. The objective of this policy is to provide compensation for the injury to the third party caused by you.
As the name suggests, comprehensive motor insurance plans cover damages incurred to the policyholder and third party as well. These plans also come into action in the case of stolen vehicles.
It's a contract between the insurance company & policyholder to cover the damages of assets in case of a fire eruption. The plan acts as a comprehensive protection for the damages done and the lives lost.
Mandatory for all companies in India, this insurance provides funds for employees who lose their lives or get injured in the course of their jobs.
It's a type of insurance plan offered to employees by their employer to cover uncertainties, financial losses, medical expenses, etc. Group Personal Accident (GPA) insurance offers accidental coverage for employees both within and outside of the office premises.
This is a type of insurance policy for organizations that provide professional client services. The policy covers third-party losses that may result from any mistake or error made by the organization while providing those services.
At MoneyMasterz, our team of experienced insurance experts understands your financial
needs and helps you select the right policy. We have partnered with over 50 insurance
companies, providing a wide range of policies to meet your requirements. With us, you
can make an informed decision, without any hidden clauses, charges, or conditions.
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