It is absolutely essential that as one approaches old age, has a substantial cover health osiguranje.Vjerojatnost to someone's health care costs would increase significantly almost a given. In this piece we look at and compare different health plans that are available on the market for senior insurance. Although each company to provide health insurance to young (and almost by definition, more healthy), there are very few plans that provide health insurance for persons 60 years out. Another interesting thing to note is that most health insurance plans for seniors offered by a public sector general insurance companies.
health insurance plans available to seniors are:
Opinion : I think one of the best policies for the elderly, except that the lump sum is low. They are very generous as the standard entry age and pre-existing disease in question.
2 Senior Citizen Specified disease plans for Oriental Insurance : In this plan, the police have the ability to choose the sum insured RS 1 easy, 2 lakhs, lakhs 3, 4 or 5 lakhs lakhs. One limiting feature of this policy is that 20% of all claims the amount should be co-paid insurance. Non-cash payments through the TPA is limited to RS 1 lakh. This plan covers 10 of these diseases: cancer, kidney failure, heart disease, liver disease associated with COPD (lung disease), stroke, prostrate, orthopedic disorders, ophthalmic diseases, accidental injuries and knee zamjena.Iznos who can argue for a particular disease is limited as a percentage of the sum insured (for example 50% of the sum insured can be said for cancer, while 20% of the sum insured can be said for stroke). sums insured RS 1 varnish will cost Rs 4500 for 65-year-old, a it will cost Rs 6400 if the age of eighty and beyond. While this May seem cheaper than national security is varistha medical scheme, is less broad in scope. This policy is an interesting return of premium clause if you withdraw from politics: if the insured person gets out of politics within the first month, 75% of premiums returned, and if he decides to be between 3-6 months of politics, 25% of the premium will be refunded. In this policy, pre-existing diseases are covered for a period of 2 years of the policy. Other exemptions are very similar to those of the National varistha medical schemes.
Opinion : a good scheme in terms of the level of insured amount and price, but the scope of diseases covered is restrictive. Another issue is already covered by existing policy until after 2 years.
Mediclaim for senior citizens by New India Insurance: This rule is available for the elderly between 60 and 80 years, a sum insured can be easy or RS 1 RS 1, 5 lakhs. Pre-existing diseases are covered after 18 months of continuous coverage, while diabetes and hypertension will be covered, the additional premium must be paid. Prior hospitalization is covered for 30 days after hospitalization was covered by 60 dana.Osiguranje RS 1 easy to 65 years old will cost Rs 3850, while the price of Rs 5150 for 80-year-old. Thus, premiums are very competitive prices. If someone wants to extend beyond 80 years, and then loading of 10% or 20% must be paid. For pre-existing diabetes or high blood pressure, an additional premium of 10% each to be paid. One interesting feature is that a 10% discount if the spouse is also covered under this policy. This policy also has a partial refund of the same standard of dismissal as the Oriental Specified disease plans. Claims will be paid only for treatment in Indiji.Isključenosti conditions are standard and are very similar to the National varistha Mediclaim.
Opinion: at a great price. Lump sum of the ceilings are niski.Proizvod booklet is silent on the co-pay, and so there is no co-pay requirement in all likelihood.
United India Insurance is specified disease plan: In this policy, a lump sum of RS 50000-300000 RS was available for people between 60-80 years of age. Lump sum of RS 1 varnish will cost Rs 3715 for 65-year-old, and RS 8613 to 80 years old. So, while it is cheaper for younger bands, it's a bit expensive for the older age skupine.Zanimljiva feature of this policy is that there is money to pay for hospital treatment from 3rd hospital days in the payment of certain additional premiums. While the others turn off the features of this policy is comparable to that of the previous three policies that we discussed, the biggest problem is that this rule is to pre-existing waiting period of 4 years.
Opinion : Pre-existing waiting period of 4 years is restrictive
Star Red Carpet health plan : This is a good marketing plan for success. While one hardly gets to hear about the relatively broad, well-priced schemes of 4 nationalized companies, the market is very excited about Star Health Red Carpet shemu.Osigurana amount under these rules may be easier for RS 1, RS 2 lakhs, RS 3 lakhs, RS 4 lakhs or Rs 5 lakhs. Age of entry is limited between 60 and 69 years. Pre-existing diseases are covered from 1 year alone, apart from those already existing diseases for which the insured received payment in the previous 12 months. Afterwards, these pre-existing diseases are covered. There are no restrictions under this policy, in which different diseases have different limits as a percentage of the sum insured. Lump sum of RS 1 varnish will cost Rs 4900 to the record, a lump sum of Rs 5 lakhs will cost Rs 20,000 .. The biggest catch in this rule is that 50% co-payment for pre-existing diseases and 30% co-payment for other disease! Other exemptions are very similar to what is there for a nationalized company.
Opinion : Simple, well-marketed request. However, co-payments are a big negative! Ceiling for the maximum age at entry is quite low (69 years), although it certainly is a great feature of the renovation is positive. Also, the sum insured level RS 5 easy is quite high and attractive in these days of escalating medical costs.
In short, we believe that the National Plan is the widest in varistha opsegu.Samo problem with the plans of the nationalized insurance companies that offer the level of the sum insured may not be adequate for today's high health care costs. On the other hand, they at least offer a senior citizen's health plans. It is very difficult to find any meaningful health insurance for seniors offered by any private health insurance, except for Star zdravlje.Jedini problem that we see in Star Red Carpet health plan to pay the limits of cooperation.
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