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− Why to Buy through US −
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5% Discount on Premium -
International treatment cover available -
Team of Insurance Experts to assess and provide most suitable plan -
Tieup with all Major Health Insurance companies in the Market -
Pan India Cashless hospitals Network to settle claim with ease -
Claim Processing support team available -
Reliable, Experienced, Competitive and Quick
To give the best and most competitive quote, we have tied up with Heute & Morgen Insurance broker Pvt. Ltd. We also have a team of in-house health insurance experts, and together we help customers choose the best suitable policy at the most competitive rates. We also handhold customers to ensure smooth claim settlement if any.
Let's Understand Type of Health Insurance policies and what they cover:
− What These Health policies covers −
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Treatment cost incurred during hospitalization is paid back
Covers Hospitalization Expenses -
Expenses incurrent 60 day prior and 90 days post hospitalization including blood test reports, medicine, ultrasound etc are generally covered. This pre 60 days is 90 or 120 also in some polices and post 90 days could be 120 or even 180 days in few policies depending on plan opted.
Covers Pre and Post Hospitalization Expenses -
If SI is exhausted, restore SI which could be 100% to 200% or more will trigger and settle outstanding as per policy T&C. This is a common most advertised feature now a days by insurance companies
Sum Insured Restore -
If there is no claim taken by customer, he will get some additional benefit ranging from 5% to 50% per claim free year either in the form of discount or enhanced Sum Insured.
No Claim Bonus -
There are many procedures including surgeries which gets completed within hours and do not require 24 hrs hospitalization. List of all such treatment is given by companies in the policy wordings. They come under daycare and are covered under policy.
Daycare procedures -
Expenses incurred during pregnancy are also covered in some of the insurance policies upto 2 or 3 children. Such policies available in the market are generally either costly or having waiting period more than 9 months or long term policies with advance premium payment.
Maternity Cover -
Post covid, most of the companies have included this cover in their policies. All expenses to treat covid-19 upto SI will be bore by the company.
Covid Cover -
You can take this as a separate benefit policy or it can be added in Mediclaim policy as an add on cover. It will give you additional lumpsum reimbursement over and above Mediclaim policy SI if opted.
Critical illness cover -
If someone is very critical and suggested by doctor to take treatment at home then those expenses will also be covered under health insurance policies.
Domiciliary Treatment -
Most of the policies offer free health checkup for all covered family members once in a year.
Annual Health Check-up -
Expenses incurred by donor in case of organ transplant comes under donor expenses cover.
Donar Expenses -
Inland and air ambulance expenses are borne by insurance companies upto certain limit. Air ambulance expenses will only be paid if its covered, needed and already approved by companies in advance before availing this emergency facility.
Ambulance charges -
Customer has a choice to take treatment in India or abroad upto SI in some policies subject to defined T&C.
International Treatment Cover -
This cover offers lumpsum amount to customer if he remain hospitalized for more than 2-3 days to cover his financial losses other than treatment cost. This mostly remain an add on cover and to be opted by customer at the time of buying policy.
Hospital Daily Cash -
This is also an addon cover where customer can take an accidental SI which will be separate Lumpsum amount in odd circumstances of accidental death or severe injury leading to organ damage of insured
Personal accident -
Homeopathic and ayurvedic treatment with some Sub limit is also covered under health insurance policies.
Ayush Treatment
Health problems are very common now a days and keep increasing every single day. Our way of life has huge impact on our health along with availability and consumption of adulterated, high fat low nutrition food. Due to lack of physical activity, low nutrition food, adulteration, increasing pollution levels, excess screen time, alcohol consumption, ever increasing stress level and unusual working hours, many people started facing lot of health issues. You never know what may happen next moment hence preparation keeping all odds in the mind should be timely done. There is a need to protect ourselves from those health-related unavoidable circumstances with the help of health insurance. We at FitUR has a team of experts in this field who will hold your hand in the time of need, will serve you with complete honesty, clarity and in most humane way. Along with having an inhouse team of professionals, we have tied up with best insurance broker in this field who have years of experience and established credentials for serving more than 1 lac customers till date
Why we need a Health insurance?
Health insurance is essential to protect our family from uncertainties due to bad health condition, due to illness or accident which may bring huge financial loss to the family. Loss is protected with the help of health policy hence it’s a partner in need.
When an indemnity Health Insurance is Triggered?
Wherever you got hospitalized for more than 24 hrs in case of illness. in case of accidental injury and certain specified allowed surgeries it gets triggered immediately also.
Is there any waiting period involved post buying a health policy?
No, there is no waiting period for accidental injury treatment however for illness related expenses there is a waiting period of 30 days for most of the companies in India.
Which is the best company in Health Insurance field?
Since all companies are governed by a government body IRDAI (Insurance regulatory &development authority of India), all are good. Insurance companies has to maintain their solvency ratio intact and ensure compliance wrt policy and claim processing. Customer can even reach IRDA in case of any issues at the time of claim settlement. Still, you can check for claim settlement ratio and settlement time to choose best among all. We will do all the hard work for you to provide you a BEST suitable plan based on your requirement .
What I need to take care of while buying a health insurance?
Every Health insurance comes up with some basic inbuilt features in their health policy and then there are add-ons for which extra premium has to be paid. Choose a health policy having maximum inbuilt features in base policy only. Also few basic things like pre and post hospitalization days, home care treatment, emergency air ambulance, personal accident and critical illness cover, No claim Bonus, Sum insured restoration benefit, Consumable cover , Co pay, disease wise treatment cost sub limits, cashless list, ambulance cover, room rent capping etc has to be checked before buying a policy. Don’t worry, we will provide you all the details with 100% clarity and justified reasons.
When should I buy it?
You should buy it as soon as possible ideally but as per our experts ideal age is before 40.Post that chances of falling ill increases, hence you should be appropriately protected before any unforeseen incident happen.
