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Suitable health insurance for all


Online Health insurance plans by Bajaj Allianz include individual health insurance, family floater health insurance, add on health cover, senior citizens and women specific critical health insurance policies. for more details – PowerPoint PPT presentation

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Title: Suitable health insurance for all

Suitable Health Insurance For All
You Think Youre Safe with Your Employers Health
Insurance? Think Again!
  • A corporate health insurance plan is meant
    to protect the employee from the burgeoning
    medical costs. In most organizations it is
    mandatory for employees to opt for this, and a
    certain amount of money is deducted from the
    salary towards this policy. The benefits of this
    policy can be availed when the employee or any of
    the covered family members are hospitalized.
    Although your employer provided health insurance
    may be the most affordable, it is not necessarily
    the complete solution for your health care needs.
    Here are some reasons why.

  • 5 Reasons Why Your Corporate Health Insurance is
    NOT Enough
  • 1. Your Employer May Make Changes to Health
  • Corporate health insurance is a perk that
    most companies provide. Your company may decide
    to make certain changes to the policy or modify
    it. In such case you might suddenly realize that
    you are left without sufficient cover against
    many diseases
  • 2. Your Corporate Health Insurance May Not Offer
    Sufficient Coverage
  • Not many employees bother to check the
    benefits offered by their employer. Companies may
    introduce restrictions on health covers to cut
    costs. Suppose you want to make more than one
    claim in a year, you may have to pay out of your
    pocket if your corporate health insurance is
  • Moreover, your employer-provided insurance
    will cover hospitalization only. But what if you
    were to suffer from a critical illness like a
    heart disease or cancer? The corporate insurance
    plan will not cover the high costs of treatment.
    This is why you should supplement your health
    insurance with a critical illness plan or a
    top-up cover.

  • 3. Employers Health Insurance May Not Cover Your
  • Employer provided health insurance usually
    covers employees, their spouse and children. The
    cover does not extend to the parents. So when
    your father or mother is hospitalized, you will
    have to pay out of your pocket and lose all your
    hard-earned savings. This can be avoided if you
    have a family floater policy or a separate senior
    citizen policy for your parents.

  • 4. You Lose your Job or are Between Jobs
  • There are many people who suddenly find
    themselves without health insurance when they are
    switching jobs or when they lose their job. A
    medical emergency at that time can topple your
    budget completely.
  • 5. You Do Not Have Health Cover After Retirement
  • You have worked for corporates all your life
    and availed health insurance offered by the
    company. But what do you do when you retire?
    Buying health insurance in old age is not easy.
    Although insurance companies do have senior
    citizen plans, you may have to undergo medical
    tests, pay additional premium for pre-existing
    diseases and be subjected to compulsory
    co-payment features.

  • While there is no problem in availing
    inexpensive health insurance offered by your
    employer, you should take a standalone health
    cover which will help you in times of need.
  • There are different types of health
    insurance policies to suit individual needs. To
    find the best cover for yourself, check out our
    health insurance plans.

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