While medical emergencies do not just smack most people on a daily basis, one cannot take the risk of not having a Health Insurance. With inflation of costs of medical treatments and facilities running in double-digits in India, health insurance has the potential of serving as the basic elixir of life. Health Insurance is often ignored by youngsters, and their attitude towards it is careless to say the least. Today’s tech-savvy environment has given impulse to a torpid lifestyle, which has an indubitable and irreversible impact on one’s health and well-being. Hence, to achieve a healthier, longer and a more secure life, it is advisable to invest in a suitable health insurance plan.

Health insurance allows customers to achieve a high degree of personally customized strategic health planning.

With comprehensive plans and policies customized to cater to the unique requirements of its customers, these shield the insured against the rising costs of healthcare facilities and medical services.  Investment in a health insurance plan is, thus, a proactive measure with innumerable future benefits.

Separating the wheat from the chaff: Cigna TTK, a health insurance provider, acknowledges disparate priorities and preferences, thus fitting into the frame of an ‘Ideal Insurance.’  With 200 years of service in the healthcare industry, their constant endeavor to tailor–make health insurance policies suit individual and family desideratum. Taking into account their motley clientele, they have designed requirement-specific health insurance policies.

ProHealth Insurance Plans:

  • ProHealth Insurance Protect Plan

With sum insured ranging up to ₹4.5 lakhs, this comprehensive health insurance plan provides consultation and pharmacy charges along with a worldwide emergency cover leading up to, and during, hospitalization.

  • ProHealth Insurance Plus Plan

With a 10% discount on the premium amount for enrolling more than 2 family members, this plan encircles unanticipated health complications as well as maternity benefits including expenses for the new-born and vaccination. It provides a coverage between ₹4.5 lakhs to ₹10 lakhs.

  • Pro Health Insurance Preferred Plan

With the sum insured under this policy ranging from ₹15 lakhs to ₹50 lakhs, this policy provides a worldwide emergency cover of up to ₹10 lakhs. Adding the icing to the cake, it offers health maintenance benefits of up to ₹ 5,000 each year. On each renewal, a free health check-up facility is also provided.

  • Pro Health Insurance Premier Plan

A colossal health insurance coverage of up to ₹1 crore, and a worldwide emergency cover of up to ₹10 lakhs is offered under this plan. The benefits cover diagnostic tests, consultation charges, maternity and new-born expenses and vaccination, and pharmacy charges, among others.

There are several Lifestyle Protection Plans also available as follows:

  • Lifestyle Protection-Critical Care Plan

This plan allows to make choices between Lump Sum or Staggered Claim Pay-out Options, thence, financially securing against critical illnesses. Further, it covers first diagnosis of up to 15, and 30 critical illnesses under the Basic and Enhanced programmes, respectively.

  • Lifestyle Protection-Accident Care Plan

While covering death, disablement and loss of employment, this plan is designed to provide education fund and benefits for the orphaned child. With multiple choices of Optional Covers, the insured receive a worldwide coverage for self, spouse, dependent parents and even dependent parents-in-law in addition to dependent children, and siblings up to 25 years of age.

Global Health Group Policy

This plan, being designed keeping in mind the specifics of the jet-setting Indian, provides cover for AIDS/HIV and allows the benefit of Out Of Area Emergency Cover.

Pro Health Cash

At Cigna TTK, a daily cash benefit over and above your existing insurance is provided. This plan aims to provide daily hospital cash benefit of up to ₹5000. Along with optional covers, this insurance policy also comes with a basic and enhanced plan.

In the present scenario of inflation, investment in health insurance plans and policies serves as protection against the soaring costs of healthcare facilities and medical services.

Health insurance can prove to be a multifaceted scheme insuring your health and assuring your financial stability during unfortunate times. There is a dire necessity of strategic health planning in today’s fast moving world. Now is the time for firm decisions, to stop believing in fate and to start planning the future!

Featured Image Credits: cfau-pd.net

Posted by The Indian Economist