Health insurance saving with security - Life is full of uncertainties. Risk lurks in every nook and corner of human life. In short, life is unpredictable. We need to be prepared for such circumstances. Leading a happy life, involves good planning and analysis for your personal health. Accidents do happen and you need to be prepared for such situations. In times of high health cost, you need to get covered for health risks. Comprehensive online health insurance plans to compare and buy from the top health insurance providers in India at www.bajajcapitalinsurance.com

1. Bajaj Capital Insurance
Bajaj Capital Insurance

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Life is full of uncertainties. Risk
lurks in every nook and corner of
human life. In short, life is
unpredictable. We need to be
prepared for such circumstances.
Leading a happy life, involves
good planning and analysis for
your personal health. Accidents
do happen and you need to be
prepared for such situations. In
times of high health cost, you
need to get covered for health
risks.
Bajaj Capital Insurance

3. 
Health insurance comes in handy
in case of severe emergencies.
The term health insurance
(popularly known as Medical
Insurance or Mediclaim) is a type
of insurance that protects you
and your dependents against any
financial constraints arising on
account of a medical emergency.
It sometimes includes disability
and long term medical needs. In
Mediclaim, you pay a premium
and in return the insurer
commits to pay a predetermined
sum of money to meet the
claims.
Bajaj Capital Insurance

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Most insurance companies have
health plan options that allow you
to choose from among health
insurance policies that have lower
monthly premiums if you consent to
pay more out-of-pocket costs, such
as a yearly deductable and
copayments for services and
prescription medications. If you are
healthy and do not anticipate any
medical spending in the coming
year, choosing a plan with larger
out of pocket expenses may make
sense for you.
For some consumers, buying health
insurance is the only health
coverage option. However, some of
them may still be an option to save
money.
Bajaj Capital Insurance

5. 
Health plans are available in two
formats, individual and group
plans. In an individual policy you
are personally the owner of the
policy. While in a group plan, the
sponsor owns the policy and the
people covered under it are
called its member
Bajaj Capital Insurance

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Saving : Along with the support of medical
care that a policy provides, it is also
important to note financial benefits that it
gives. You save in two different ways with
a medical insurance policy.
Firstly, you save on the cost of treatment,
which can include the cost of
hospitalisation, pre and post
hospitalisation care, cost of expensive
diagnostics etc.
Secondly, the Indian government gives
heavy tax benefits in the form of
deductions and exemptions from the total
taxable income to anyone paying premium
towards a mediclaim insurance policy. If
you have two mediclaim policies, one for
your family and another for your parents,
then you can get a sizeable tax deduction
from your total taxable income.
Bajaj Capital Insurance

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Health insurance policies are plans that
are designed to be used when you have
any health related problem. A health
care insurance policy can be thought of
as a contingency plan made to make
things easier for you when the going
gets tough. A policy not only protects
you, but your whole family. The best
health insurance companies offer
"family floater" plans. A "family floater"
plan can cover two adults and two
children and comes out to be more
efficient than four individual policies
for each family member.
Furthermore, best health insurance
policies should include other bonus
features such as "cashless
hospitalisation", free health checkups, inclusion of pre-existing diseases
etc
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Bajaj Capital Insurance

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In emergency situations that are the
hardest to control because you do not
know when, where and to whom it
might happen. The mediclaim
insurance companies have come up
with plans on how to tackle
emergencies and make it easier for
you, and has also come up with the
clause of "cashless hospitalisation”.
This feature allows you to get
hospitalised without the hassle of cash.
This is a especially designed feature
for emergencies where it is quite
impractical to expect a patient to
withdraw cash from a bank before
heading to the hospital to get
admitted. All you have to do is check
whether the hospital you are headed to
is on the panel of the medical
insurance company or not, pick up
your health card and get admitted.
Bajaj Capital Insurance

9. 
Stress is the number one enemy
of health. Stress makes your
immune system weak and makes
you vulnerable to all kinds of
health trouble. With all these
benefits of a health insurance
policy in your pocket, you can be
sure that you can handle
anything that life has to offer.
You can relax and breathe easy.
No more will you have to fret
about medical bills or worry
about your and your family's
future health.
Bajaj Capital Insurance

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In case an individual is taking the
deduction, the medical insurance
policy can be take in the name of any
of the following: the taxpayer or the
spouse, parents or dependent children
of the taxpayer.
However, before buying a health
insurance policy, plan your
requirements carefully. It will save you
from buying a policy which might not
be appropriate for you and can also be
expensive.
Where to start insurance can be
confusing because so many options
available in the market, how do you
know which one is the best for you.
That is where Bajaj Capital
Insurance can help you by allow you a
range of insurance policies.
Bajaj Capital Insurance