Health Insurance

We at Pindersson provide you with various options in getting the best Healthcare insurance plans in the industry . We cater to the following options :

 

1. Complete Health Insurance

 

2. Family Floater insurance Plans

 

3. Senior Citizen Insurance Plans

 

4. Personal Protection/Accident Insurance

 

5. Group Health Insurance

 

6. Critical Illness Insurance Cover

 

7. Top up Booster Plans

 

Why do you need health insurance?

 

As medical care advances and treatments increase, health care costs also increase. The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. In addition, you are more likely to get routine and preventive care if you have health insurance.

 

You need health insurance because you cannot predict what your medical bills will be. In some years, your costs may be low. In other years, you may have very high medical expenses. If you have health insurance, you will have peace of mind in knowing that you are protected from most of these costs. You should not wait until you or a family member becomes seriously ill to try to purchase health insurance.

 

We also know that there is a link between having health insurance and getting better health care. Research shows that people with health insurance are more likely to have a regular doctor and to get care when they need it.

 

Let’s understand

 

Individual Insurance

 

If you are self-employed or your employer does not offer health insurance, you may not have access to group insurance. You may, however, be able to purchase individual coverage directly from an insurance company through us . When you buy your own health insurance, you will be responsible for paying the entire premium rather than sharing the cost with an employer

 

Self-employed workers are able to deduct their health insurance premiums from their taxable income, providing them with an important tax saving. Insurance plans differ greatly from one company to another and, within an insurance company, from one plan or product to another. Some plans have multiple products (options) from which you can choose; We at Pindersson guide you through carefully to be sure you understand the various choices.

 

Family Floater Plans

 

One question that the first-time buyer face is whether to take individual policies for each family member or a family floater?

 

An individual policy means a separate insurance for each person with defined cover. In contrast, in a family floater, the limit can be utilised by any of member. If you buy a family floater of Rs 4 lakh, then any member can utilise this entire limit.

 

Suppose a family of three wants to take a mediclaim, depending on the ages of individual members, the family floater plan for Rs 4 lakh is likely to be cheaper than the three individual policies of Rs 2 lakh each. So, in many ways the family floater plan offers flexibility in terms of utilising the overall insurance coverage among the group. This would seem to indicate a floater plan is always more beneficial for a family.

 

Senior Citizen Health Insurance

 

Old age brings with itself several ailments that are expensive to treat and care for. Health insurance for Senior Citizens is offered by various insurance companies, specifically for people who are aged 65 years and above. These health insurance schemes readily cover any kind of medical expenses incurred by customers.

 

With increasing age comes the additional risk of contracting diseases and falling sick. Since, the later years of an individual’s life are physically more challenging and financially less sound, having a medical insurance scheme to take care of any urgent medical expenditure is a clever move.

Health insurance schemes for senior citizens/parents offer, various special features like cashless hospitalization, critical illness coverage, specific coverage for diseases like Cancer, Stroke and so on.

 

Critical Illness Insurance

 

Critical illness is a serious health condition that has a debilitating effect on an individual’s lifestyle and requires a considerable amount of money towards treatment. It may also lead to loss of income due to inability to work.

 

The count of serious illnesses is escalating every day. Acute illnesses also mean loss of income, change in lifestyle and permanent disability. The financial burden could be more severe than what an indemnity health insurance plan would cover. To combat this issue one needs to get a critical illness insurance which meets your large medical cost as well as provides a lump sum compensation for meeting your day to day expenses without making you run in a fanatical race for money arrangement.

 

Personal Accident Insurance

 

Did you know that in recent years you have become more prone to accidents than you would have ever imagined? Some of these alarming statistics reveal that:

 

  • According to National Crime Records Bureau (NCRB), total 4, 00,517 people died of unfortunate deaths in 2013, a rise of 14% over the previous year.

 

 

  • According to the World Health Organization (WHO), the death rate per 1, 00,000 of the population for road traffic accident was 18.9 in 2013.

 

 

  • 1214 road accidents occur every day in India.

 

While minor accidents can indispose you temporarily, major ones can severely impact your life and well-being. A sound insurance plan to protect you from economic repercussions of having a mishap has become a necessity. The value of the human life is immeasurable, but with a view to providing some relief to the injured person or a dependent, insurance companies have devised this insurance policy. It refers to an insurance which offers compensation in the event of demise, bodily hurts, impairment or mutilation resulting from an event, such as a violent, hazardous, visible and external means.

 

The types of events that are included in such insurance are rail, road, and air, injury because of collision or fall, burn injury, drowning etc. The policy guards your dependents (parents or family) from any economic repercussions if the unfortunate comes to pass. We at Pindersson ensure you purchase the policy that covers or provides reimbursements for all eventualities from short-term impairment to untimely demise, and safeguard the family’s future.

 

Group Insurance

 

Group health insurance is typically offered by employers. Or, if you are a member of a union, professional association, or other group, you may be able to get group coverage through that organization.

 

Some employers allow employees to choose between several plans, including both indemnity insurance and managed care. Other employers offer only one plan. Some group plans offer dental and/or vision benefits as well as medical benefits. So it is important to compare plans to find the one that offers the benefits you need most. Once you enroll in a health insurance plan, you usually cannot change to another plan until the next open season, usually set once a year.

 

When group health insurance is an employee benefit, your employer usually pays a portion or all of the premiums. This means your costs for health insurance premiums will be lower than they would be if you paid the entire premium alone.

 

When you get group insurance through membership in an organization, you usually will benefit from being a member of a large group. You may pay less for premiums than an individual would pay. However, the organization often does not pay a share of the premium, meaning you may be responsible for paying the entire premium yourself.

 

Health is the most important asset to an individual. Security of health brings mental and physical relaxation thereby helping us maintain an optimum quality of life. It not only comes with the security of financial coverage for medical requirements but also tax benefits. Now your insurance cover has just got bigger with Health Booster. A Super top-up Health Insurance cover that takes care of excess payment that may arise due to the amount paid for illness over and above your existing Health Insurance policy. What’s more, even if you don’t have any existing Health Insurance policy, you can still opt for the Super top-up cover and get the Sum Insured beyond the deductible chosen. The booster plans also have a family floater option: Covering up to 2 Adults and 3 Children in a single policy.

 

Which type is right for you?

 

Whether you are eligible for group insurance or choosing an individual plan, Pindersson carefully compares costs and coverage. We compare and provide best solutions in terms of:/p>

 

1. Premiums.

 

2. Coverage/benefits.

 

3. Access to doctors, hospitals, and other providers.

 

4. Access to after hours and emergency care.

 

5. Out-of-pocket costs (coinsurance, copays, and deductibles).

 

6. Exclusions and limitations.

 

Even if you do not get to choose your health plan—for example, if your employer offers only one plan-you still need to understand your coverage. You can always have a booster plan which tops up on your existing limited Health plan . Pindersson provides top up booster plans. We take utmost care to understand

 

(a) what kind of services are covered by the plan?

 

(b) What steps do you need to take to get the care you and your family members need?

 

(c) When do you need prior approval to ensure coverage for care (for example, elective hospitalization for scheduled surgery) ?

 

(d) How are benefits paid; do you have to submit a claim?Is it Cashless

 

Make sure you understand how your plan works. Don’t wait until you need emergency care to ask questions.

 

If you are choosing between indemnity and managed care plans, remember that they may differ in several important ways, including:

 

  • How you access services.

 

  • How you obtain speciality care.

 

  • How much and sometimes how you pay for care.

 

Despite these differences, indemnity and managed care plans share some features. For example, both types of plans cover a wide array of medical, surgical, and hospital services. Most plans offer some coverage for prescription drugs. Some plans also have at least partial coverage for dentists and other providers.

 

The major difference between indemnity (non-network based coverage) and managed care plans (network-based coverage) concerns choice of doctors, hospitals, and other providers; out-of-pocket costs for covered services; and how bills are paid.

 

We at Pindersson make sure we check on the physicians and hospitals that are included in the plan.

 

 

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