Health Insurence
Empowering Health, Ensuring Peace of Mind: Your Shield in Times of Need.
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Types Of Health Insurence
Health insurance, often referred to as Mediclaim, provides coverage for expenses linked to hospitalization resulting from accidents or medical conditions. Upon purchasing health insurance, the insurance company will bear some or all of the costs incurred during your hospital stay.
Individual Health Insurance, It covers only a single Individual under the Health Insurance Policy. Insurance policy will cover medical expenses related to hospitalisation, injury, room rent etc.
Family health insurance, consolidates coverage for two or more individuals within a single policy. This pooled insurance can be accessed by any or all covered members, offering the benefit of lower premiums.
Group Health Insurance, is mainly designed for corporates where group of employees are working together. This policy is offered to employees at a very low cost premium.
Benefits of Buying Health Insurance
Buying a health insurance policy comes with several benefits. have a look at them.
It is easier to compare health insurance plans from different insurers online at websites like Policysmart to make an informed decision.
It is more convenient to buy the policy online as you do not have to visit the branch of the insurance company or take an appointment to meet an insurance agent.
It allows you to avail discount on premiums for buying the policy online.
Health plans are available for a lower premium online as insurance companies save a lot on operational costs.
The process of buying a health insurance policy online involves minimum to zero paperwork.
A health insurance policy can be purchased online any time of the day, even on public holidays, which is not possible in offline buying.
It allows you to avoid cash payments and use digital payment methods to pay the premium online safely.
It saves you a lot of time as the policy is issued within a few minutes of buying.
Health Insurance Checklist
Waiting Period
Opt for a minimal waiting period. Lower waiting period means quicker coverage. Check policy terms carefully before purchase.
Co-payment
Choose a plan with no co-payment. Avoid out-of-pocket expenses per claim. Review policy for co-payment details.
Preventive Health Check-up
Select a plan offering free annual check-ups. Avoid additional costs. Verify benefits in policy details.
Grace Period
Seek maximum grace period for policy renewal. More time post due date. Review policy for grace period duration.
Restore Benefits
Purchase a plan with 100% restore benefits. Sum insured fully restored after claim exhaustion. Verify in policy terms.
No Claim Bonus
Prioritize plans with maximum No Claim Bonus. Higher bonus, higher sum insured increase. Check policy for NCB details.
Sub-limits
Opt for plans with no sub-limits. Claim up to sum insured. Check policy for sub-limit clauses.
Network Hospitals
Choose an insurer with an extensive hospital network. More hospitals, better cashless treatment. Review network list before purchase.
Network Hospitals
Choose an insurer with an extensive hospital network. More hospitals, better cashless treatment. Review network list before purchase.
Why Buy From Us?
Forget spending hours in queues and drowning in paperwork. With Policy Smart, get your policy instantly in just 5 minutes. Say goodbye to long waits and hello to quick, hassle-free issuance.
With over 50 lac satisfied customers, Policy Smart is making waves across India. Our transparent and efficient process, along with a wide range of insurers, ensures a seamless experience for our valued customers
At Policy Smart, our dedicated support team is available seven days a week. Whether you're purchasing an insurance policy or need assistance with claim settlement, our experts are ready to help. Reach out to us anytime for a smooth experience.
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