The only way to decide the best health insurance company in Kerala is by comparing the top reliable names in the market. Commoners often make a mistake by committing to insurance plans their kin have invested in. Remember, one size does not fit all. Hence, your plan should be individualised, and this decision will determine the most suitable insurance service for you.
For this, you must know the different types of health insurance plans before opting for a service provider. Here is what you should know.
1. Individual plans: Such plans are designed for individuals alone. These plans cover the illnesses and medical expenses of a single entitled policyholder.
2. Family plans: As the name suggests, these plans cover all the family members ranging from children to seniors. These plans have premiums less than the individual plans for all members.
3. Senior citizen’s plan: This health insurance plan is specifically designed for senior citizens or individuals aged 60 years or above.
4. Critical illnesses: These types of health insurance policies cover critical life-threatening illnesses such as kidney disease, cancer, cardiovascular diseases, etc.
5. Accidents: Personal accidents can be covered by such plans. These plans protect the owner or driver of a vehicle against disabilities. It will also cover the death of an individual and take care of the financial conditions of a family.
6. Disease-specific plans: Such health insurance plans cover specific illnesses like COVID-19, heart diseases, etc. Only chosen diseases are covered, unlike the critical illness plans.
7. Add-ons: Many health insurance providers allow policyholders to increase an existing plan’s coverage via add-ons. A user can essentially increase the plan’s usability with additional benefits. Such benefits can be for dependents, particular diseases, or anything else. The add-on features depend on the clauses of an insurance service provider.
Once you are aware of these types of health insurance plans, your search for the best health insurance company in Kerala becomes a lot easier. Here is how.
You now know what you need and can search online for the best insurance plans for the top 10 health insurance companies in Kerala.
And, done! This is how you can find the best health insurance company in Kerala. Remember, only the most suitable one is the best for you.
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