Here’s why every individual must have a customized medical health insurance policy

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Medical emergencies, by nature, are unpredictable and might come without prior – warning. This makes it pertinent for each individual to have medical health insurance in order that their physical and financial health is all the time bolstered. Amid inflation and rising healthcare costs, medical health insurance has emerged as an economical approach to risk financing. A well-rounded medical health insurance plan offers an expansive financial coverage that features the prices of treatment in India in addition to abroad, along with hospitalization costs, diagnosis costs, ambulance and medicine bills, and the benefit of fast payouts for greater financial flexibility.


The necessity to go for personalized medical health insurance plans

It will be important to keep in mind that health is a largely personal matter and the degree of it differs from individual to individual and relies on the varied stages and circumstances that we’re in life. As an illustration, the chance for certain medical issues increases with age. Along with this, health can be largely determined by the life-style we lead. These variables like age, lifestyle and life stage amongst others go on to impinge our overall health needs and determine what our medical health insurance policies should cover. For any individual, a personalised medical health insurance policy allows more personal alternative, freedom, and suppleness. This also enables individuals to make effective and efficient health care decisions that they will personalize as their lifestyles and priorities change. Thus, it’s more necessary than ever to secure your health with a comprehensive medical health insurance plan.

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Login to view result To assist individuals get more customized advantages on their medical health insurance policy, Reliance General Insurance company has designed the
Reliance Health Gain Insurance plan- a comprehensive medical health insurance policy that comes with an inventory of advantages resembling cashless hospitalization, unlimited reinstatement of base sum insured, double cover, air ambulance, consumable cover, enhanced pre and post hospitalization expenses, and diverse add-on features. This policy comes with three different plans Plus, Power and Prime which a person can select in line with their requirements.

Allow us to take a look at what the policy entails:


Double Cover on same claim: The policy offers the insured 100% base sum-insured over and above for use on the identical claim. Which means that one gets a double cover on the identical claim.

Unlimited reinstatement of Base Sum insured: With the Health Gain Plan, the insurance buyer gets to revive their base sum-insured as many numbers of times as they exhaust it in a yr on unrelated illness/injury. The truth is, with this cover, they will use as much as 100% of base sum insured on related illness/injury also.

Hospital money and consumable cover: The policy offersdaily money for 30 days in case of normal hospitalization of beyond 72 hours. In case of ICU hospitalization, the policyholder will get 2x of normal hospitalization money for 15 days.

Guaranteed Cumulative Bonus: As an enhanced cover, the policy gives you a possibility to maintain your unutilized cumulative bonus intact even within the event of a claim

Reduce pre-existing disease waiting period: So as to strengthen the over-all policy advantages, it comes with reduction of3 years waiting period for expenses related to the treatment of pre-existing diseases as much as just one yr.

Modern treatment around as much as 100%: The policy also gives holders the choice to
increase their coverage for contemporary treatment methods to as much as 100% of sum insured.

Wide sum insured option Rs 3 Lakhs to 1 crore: The policy understands the needs of various categories of insurance buyers, and due to this fact it provides an expansive sum insured option that starts from Rs 3 Lakhs and goes as much as Rs 1 crore.

Select hospital room rent: Making the policy as flexible as possible, it gives insurance buyers the choice to extend ordecrease their hospital room rent limits and even upgrade or downgrade their room category as they would favor.

Loyalty advantages on year-on-year renewal (over and above sum insured limit): Reliance General Insurance introduces probably the industry first loyalty advantages on this plan and hence on the time of renewal every yr, it adds a profit in cover to the insurance holder’s policy at no additional cost. This varies with every yr of renewal regardless of claims.

Cover as much as 12 relations in the identical family floater policy: We understand the worth of family and henceUnder the family floater unit of the plan, the insurance buyer gets to cover as much as 12 members in single policy. It has three options-

1. Plus – maximum of two Adults (Self + Spouse) and 6 children

2. Power – maximum of 4 Adults (Self+ Spouse + one set of dependent Parents or Parents-in-law) and 6 children

3. Prime – maximum of 6 Adults (Self + Spouse + set of dependent Parents + set of Parents in law) and 6 children

With all this and more, Reliance Health Gain Policy stands out as one of the crucial comprehensive medical health insurance policies that a person can go for. Nonetheless, as someone looking for medical health insurance, the most effective ways to make the policy be just right for you is to make a declaration of all of your pre-existing medical conditions like diagnosed illnesses, medical history of illness/hospitalization/surgery or major accidental injury and get all essential checks and tests done before buying the policy. It is usually necessary to read the sort of diseases which the insurance firms define as pre-existing conditions to avoid problems when the time comes to boost a claim.

Regardless that buying a
medical health insurance policy may not appear to be a financial investment at face value, it could actually go a good distance in protecting you against unlucky events that may result in major monetary losses. Along with this, medical health insurance also comes with the advantages of Section 80D, supplying you with an option to diminish your tax liability.

If you happen to want to avail personalized advantages in your medical health insurance plan and revel in financial freedom at every stage of your life, RGI’s Health Gain Plan is for you.

Click here to know more concerning the plan.

Disclaimer: This text has been produced on behalf of RGI by Times Web’s Highlight team.

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