Thought of buying healthcare insurance but took a back step? Various features and types of health plans can make it difficult for you to choose the right one. This section sheds light on the need of health insurance, explains key health insurance benefits and tells you why getting a health plan for family is smart!

<p>Aarogya Care health plans offer you both illness and wellness benefits. Here’s a guide that explains why you must have healthcare insurance for yourself and your family.</p><h2>What is healthcare insurance?</h2><p>Health insurance is a contract between an insurer (the company) and you, the policyholder, where the insurer promises to pay medical bills to the extent of the cover and terms of the policy. Health insurers provide you with medical coverage and other benefits against a certain premium amount. Your health insurance plan covers in-patient hospitalization, pre- and post-hospitalization, daycare procedures, and more. You can either get your medical expenses reimbursed or avail cashless treatment at network hospitals.</p><h2>What are the types of health insurance plans?</h2><p>You can get a health plan for family members all together or buy one just for yourself. Your employer may also offer you health coverage. Read to know all the various types of healthcare insurance.</p><h3>Individual health plans</h3><p>These plans provide comprehensive cover to the policyholder. You can buy these individual plans for yourself, your spouse, your children, or your parents. Such policies include coverage for hospitalization expenses, pre- and post-hospitalization, daycare procedures, ambulance charges, room rent, and more. The exact cover depends on the features and inclusions of the specific health plan you choose.</p><h3>Family floater health plans</h3><p>Also called a health plan for family members or a family floater plan, this type of insurance provides protection against medical expenses for your whole family. Under such health plans, all your family members are covered under a single policy. This means that the sum insured applies to all insured members. The premium you pay on such policies is usually cheaper than individual health policies.</p><h3>Senior citizen health plans</h3><p>As the name suggests, these plans provide coverage to people older than 60 years of age. The risk of contracting lifestyle diseases and falling sick increases as you age. This is the reason why health insurance becomes more vital for senior citizens as their medical expenses rise. As you can tell, the premiums for such health insurance plans may be higher.</p><h3>Group health insurance plans</h3><p>These types of health plans are commonly offered to employees by many organizations. An example of a group health policy is the employer’s group health insurance. These health insurance plans cover all the members of a group. Although these plans are beneficial, they seldom offer comprehensive plans. But they give you the option of adding your spouse or your parents as beneficiaries.</p><h3>Critical illness health plans</h3><p>In a time where chronic lifestyle diseases are on the rise, having critical illness health coverage is beneficial. These are specific health plans that include critical illnesses such as kidney failure, cancer, stroke and heart disease. These plans can be purchased as an add-on or a separate policy.</p><h2>What are some key health insurance benefits?</h2><h3>It provides comprehensive coverage</h3><p>Health insurance plans provide you a wide coverage against medical expenses. These include in-hospitalization expenses, pre- and post-hospitalization, daycare procedures, domiciliary expenses, room rent and ambulance charges. They also cover expenses related to preventive health tests, diagnostic lab tests, consultations with doctors, pharmacy bills, and even medical equipment such as hearing aids in some cases. This, of course, depends on the specific plan you choose.</p><h3>You can avail cashless treatment</h3><p>With health insurance plans, you do not have to arrange for funds during times of an emergency. You can avail cashless treatment at any of the network hospitals of your insurer. The health insurance company settles the bill directly with the hospital. This way, you can get the right treatment done on time without worrying about the financial burden.</p><h3>It protects against medical inflation</h3><p>Medical inflation in India is rising at twice the rate of general inflation. With medical costs becoming more expensive by the day, the need of health insurance has increased. Buying health insurance is a wise decision as the costs of surgeries or a night’s stay in a hospital can burn a hole in your pocket. Thus, healthcare insurance can provide you with much-needed financial assistance in times of need.</p><h3>It helps protect your savings</h3><p>Having health insurance in your pocket ensures you do not empty all your savings to pay for unexpected or even planned medical expenses. Medical emergencies can arise any time and your savings may not be sufficient to get the treatment done. During such events, health plans can save you from financial stress. It is also common for families to delay treatment of non-urgent medical treatment. The need of health insurance can be highlighted here, as with it, you do need to compromise on the timeline or quality of treatment.</p><h3>You can enjoy the benefit of no claim bonus</h3><p>Companies offer a no claim bonus as a reward for every claim-free year. With this benefit, you can extend your coverage without affecting the premiums you pay when you renew the policy for the new year. This cumulative bonus is available on individual health plans as well as family floater health plans.</p><h3>You can opt for a lifetime renewability benefit</h3><p>Opting for lifetime renewability allows you to renew your healthcare insurance with no restrictions on the age limit. It is especially useful for your parents or senior citizens who may need to rely on the cover offered with age.</p><h2>Why should you opt for Aarogya Care health plans?</h2><p>Aarogya Care health plans brought to you by Bajaj Finserv Health helps take care of your and your family’s healthcare needs. It provides 360-degree benefits that justify the need of health insurance.</p><ul> 	<li>Here are the reasons why you should opt for Aarogya Care.</li> 	<li>It provides medical cover of up to Rs. 25 lakh</li> 	<li>If offers reimbursement benefits on doctor consultations</li> 	<li>It provides discounts at a network pharmacies, clinics, and hospitals</li> 	<li>It offers you lab test benefits</li> 	<li>It provides preventive health checkups</li></ul><p>Explore this section to learn more about healthcare insurance and the key health insurance benefits you should not miss out on. Check the Aarogya Care health plans offered by Bajaj Finserv Health. They offer you a host of benefits along with a high amount of medical cover at affordable premiums. Sign up today in just 3 steps with a completely digital process!</p>

Healthcare insurance can be a savior in times of need. Know about Aarogya Care Health Plans and the need of health insurance on Bajaj Finserv Health.

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