In today’s era, the competition is at a high level where every individual is involved in the rat race, struggling for satisfactory growth to earn a handsome income to manage the desired standard of living. This may result in negligence towards health balance, and various health issues are observed. People loose huge amount of hard-earned money for medical facilitation. Insurance helps an individual to protect their family and save on medical bills. Finding a Health Insurance Advisor In Pune can help you avail a customised yet best Health Insurance policy, as per your requirements.
A Health Insurance Policy covers your high medical expenses and helps you keep your savings intact. It covers the hospital expenses, the OPD medical treatment expenses, and save your precious time, offering Peace of Mind.
Health Insurance Consultant Helps You Choose The Right Coverage:
At Saffeguard Insurance and Consulting Services, Health Insurance Consultant is happy to help you choose the right Health Insurance policy for you and your family. When you meet our Health Insurance expert, he focuses on understanding your exact needs instead of suggesting you over plans directly, so that you can get the best beneficial option. He will advise you few plans matching your requirements, from various companies and also help you compare between them.
Health Insurance Guide Helps You Understand The Policy:
A Health Insurance policy has numerous inclusions and exclusions that one needs to be aware of. The Health Insurance Guide will help you understand the policy wording if you are already availing of a policy.
- Policy Period
- Waiting Period
- What is Sum Insured?
- Important Medical Conditions and their meanings
- Inclusions
- Permanent Exclusion
- Difference between Network and Non-Network Hospitals
- Claim Process
- Factors Determining Claims
- Claims Rejection Reasons
- Renewal Timelines
- Grace Period
Illustration Explained by Health Insurance Expert Near Me:
When an individual decides to deep dive into the insurance details, seeking a better understanding, Health Insurance Expert Near You at Saffeguard Insurance and Consulting Services explains to you the fundamentals of choosing the right Floater Health Insurance Policy – also called a Family Health Insurance Policy with examples. We will discuss an example below.
Scenario One – (Not having an Insurance Policy)
Suppose Mr X is working for a company and does not have any health insurance policy. He or one of his family members is hospitalised for about 4 days, let’s suppose for high-grade fever, the approximate total cost of it would be around Rs. 70000 – 80000, including Bed Charges, Medicines, Doctor’s fees, and other miscellaneous charges. On the discharge day, he has to pay the entire bill from his pocket, affecting his savings, and if no savings, he has to run around arranging for the funds, which results in mental distress.
Scenario Two – (Having an Insurance Policy)
Here, we will consider what happens if Mr X owns a Health Insurance Policy.
- He has to pay only 10-15% of the total hospital bill towards non-medical expenses (a few items of the total medicines used during the hospital stay).
- No need to run around.
- Smooth claim process as the Hospital Insurance Desk completes most of the claim formalities.
The process allows Peace of Mind. Please connect here for more details.