Critical Illness Plans: Financial Backup When It Matters Most

Table of Contents

Health Insurance Kya Hai?
Health Insurance Ke Mukhtalif Types
Health Insurance Ke Faide
Kya Kya Cover Kiya Jata Hai?
Sahi Health Insurance Kaise Choose Karein?
Zaroori Terms Jo Samajhna Zaroori Hai
Kin Logon Ko Health Insurance Lena Chahiye?
Health Insurance Kaise Le Jaayein?
FAQs – Aam Sawalat
Conclusion

1. Health Insurance Kya Hai?

Health insurance ek aisi policy hai jo aapko medical expenses—jaise hospital admission, operation, medicine, tests, etc.—se hone wale financial burden se bachati hai.

Yeh policy aapko aur aapke family ko healthcare emergency ke waqt financial help deti hai.

2. Health Insurance Ke Mukhtalif Types

Individual Health Insurance: Ek shakhs ke liye.
Family Floater Policy: Puri family (spouse, children, parents) ke liye ek hi policy.
Critical Illness Insurance: Cancer, heart attack, kidney failure jaise badi bimarion ke liye lump sum cover.
Senior Citizen Plan: 60 saal se upar logon ke liye.
Top-Up Plans: Existing health policy ke sath extra cover.

3. Health Insurance Ke Faide

Hospitalization ka kharcha cover hota hai
Pre- aur post-hospitalization expenses
Cashless treatment network hospitals mein
Tax benefits under Section 80D
Ambulance aur daycare procedures ka bhi cover
Free annual health checkups

4. Kya Kya Cover Kiya Jata Hai?

Room rent and ICU charges
Doctor fees and nursing charges
Surgeries and operations
Diagnostic tests, medicines, and reports
Pre-existing diseases (after waiting period)
Maternity and newborn cover (some policies)

5. Sahi Health Insurance Kaise Choose Karein?

Apni aur family ki age aur medical history dekhein
Sum insured minimum ₹5 lakh (PKR mein equivalent) hona chahiye
Waiting period kam ho toh behtar
Network hospitals ka wide list ho
Claim settlement ratio high ho
Renewability lifetime tak ho

6. Zaroori Terms Jo Samajhna Zaroori Hai

Sum Insured: Total amount tak claim mil sakta hai
Pre-existing Diseases: Pehle se maujood bimariyan
Waiting Period: Initial period jisme kuch benefits active nahi hote
Co-payment: Claim ka kuch hissa insured ko dena padta hai
Cashless Facility: Hospital bill directly insurer pay karta hai

7. Kin Logon Ko Health Insurance Lena Chahiye?

Har shakhs jisko apne health risk ka tahaffuz chahiye
Parents aur senior citizens ke liye specially zaroori
Working professionals, housewives, aur students sab ke liye
Log jinke employers insurance nahi dete

8. Health Insurance Kaise Le Jaayein?

Apne health needs ka assessment karein
Online tools se policies compare karein
IRDA-registered insurer choose karein
Proposal form fill karke premium pay karein
Policy documents ko carefully preserve karein

9. FAQs – Aam Sawalat

Q1: Kya har hospital mein cashless facility milti hai?
Nahi, sirf network hospitals mein. Baaki hospitals ke liye pehle kharcha karna padta hai, baad mein reimbursement hota hai.

Q2: Pre-existing diseases cover hoti hain?
Haan, lekin 2-4 saal ke waiting period ke baad.

Q3: Kya OPD aur medicine bhi cover hoti hai?
Kuch advanced plans mein hoti hai, lekin mostly nahi.

10. Conclusion

Health insurance sirf ek policy nahi, balkay ek zaroori zaraya hai jo aapko aur aapke parivaar ko badi medical emergency ke waqt bachata hai. Aaj ki mehengai mein bina insurance ke treatment afford karna mushkil ho gaya hai—abhi lein aur be-fikr rahein.

Saaaz