Health Insurance

Health insurance is offered mainly in two Types:

  1. Indemnity Plan basically covers the hospitalisation expenses and has subtypes like Individual Insurance, Family Floater Insurance, Senior Citizen Insurance, Maternity Insurance, Group Medical Insurance.
  2. Fixed Benefit Plan pays a fixed amount for pre-decided diseases like critical illness, cancer, heart disease, etc. It has also its sub types like Preventive Insurance, Critical illness, Personal Accident.

Depending on the type of insurance and the company providing Health Insurance, coverage includes Pre-and Post-Hospitalization charges, Ambulance charges, Day Care charges, Health Checkups, etc.

It is important to know about the exclusions which are not covered under insurance schemes:

  1. Treatment related to Dental Disease or Surgeries
  2. All kind of STD's and AIDS
  3. Non-Allopathic Treatment

Some important aspects to be considered before choosing the health insurance are Claim Settlement ratio, Insurance limits and Caps, Coverage and Network Hospitals.

We at Fin Ad Wise, serve you at the time of claim. We have 100% claim settlement record. At Fin Ad Wise, we have a dedicated staff to help out at the time of cashless settlement and take care of reimbursement. We have tie up with almost all health insurance companies.

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