What is HEALTH INSURANCE?

Health insurance is a type of insurance coverage that helps pay for the often-expensive costs of medical care—hospital visits, surgeries, emergency room stays, regular checkups, prescription drugs, and all kinds of things. It is a contract between a policyholder and the insurance company which covers medical expenses that might occur due to illness, injury, or accident. If you have a health insurance policy, then some or all the medical expenses will be borne by the insurance company, against which an insured is supposed to pay a certain amount known as a premium.

How Does HEALTH INSURANCE Work?

You pay a fee known as a health insurance premium each month. Your age, where you reside, your lifestyle, your medical history, and the type of plan you select can all affect the premiums. You must, however, pay your annual health insurance deductible before your health insurance coverage will pay for any of your care. When you visit the doctor after meeting your deductible, your health insurance policy will cover a portion of your cost, known as coinsurance, or you may be required to contribute a certain amount to your care, known as a copay.

What Kind of HEALTH INSURANCE Do We Offer?

Individual Health Insurance

An individual health insurance plan is a type of health insurance that covers the health care expenses of the insured individual. It pays for the hospitalization and surgical expenses of the policyholder up to the sum insured limit.

Group Health Insurance

Group health insurance is a collective health insurance policy offered to a group of individuals. This plan allows companies, organizations, banks, and even housing societies to procure health insurance for their staff or members.

Dental Insurance

Dental insurance plans help cover the costs of dental services. Plans can include charges like monthly premiums and annual or lifetime deductibles, in addition to copayments or coinsurance. With a variety of plans available, you can find basic dental coverage for general dental care or choose coverage for major care, such as dental implants.

Vision Insurance

The term "vision insurance" is commonly used to describe health and wellness plans designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses).