#360tamilinvestment #healthinsurancetamil #besthealthinsurance
In this video I explained about simply how to select best health insurance in Tamil.
to choose best health insurance in 2024 following points need to consider
1.Room Rent Limit
Even though Room Rent Limit is specified in all health insurance policies, there might be differences in how it is articulated in the terms and conditions of the policy. There are mainly four ways in which room rent limit is specified in health insurance policies.
As a percentage of sum insured
As a category of the hospital room
a comparison of two different amounts
No room rent limit specified
2. ICU room rent limit
3. pre and post hospitalation
What are Pre & Post Hospitalization Expenses? Pre-hospitalisation expenses are medical costs incurred by the insured before getting admitted in a hospital. Post-hospitalisation expenses are medical costs incurred after discharge from the hospital. These are covered by most health insurers.
4. new born baby cover
In India health insurance for newborns is an important consideration to safeguard the health and well-being of the child and to alleviate the financial burden of medical expenses.
5.Ayush treatment
AYUSH treatment encompasses alternative medicine systems like Ayurveda, Unani Siddha and Homeopathy. These traditional approaches to health and wellness is trusted by countless individuals worldwide. They offer cost-effective solutions and minimal side effects and making them popular choices for many.
6.Modern Treatment and other treatment limit
These are treatments that use ultra advanced technologies like - radio surgeries stem cell therapy, etc. Keeping pace with the science and embracing the latest tools they seek to cure the incurable.
7.day care treatment
day care procedure refers only to those medical surgeries and operations or treatments that require not more than 24 hours of hospitalisation due to modern medical technology
8. non payable items
Health insurance offers financial coverage during planned and unplanned hospitalisation. However there are several items charged during your hospitalisation which are excluded from the insurance coverage. The cost of these excluded items is known as a non-medical expense or non payabel items
9. no claim bonus
no Claim Bonus (NCB) in health insurance rewards you for each year without claims. It boosts your sum insured
10. incurred claim ratio
it is the ratio of total amount of claims paid over the total premium received during the year.
00:00 Introduction
00:51 room rent limit
01:33 icu limit
01:52 pre and post hospitalization
02:31 new born baby cover
02:55 ayush treatment
03:23 modern treatment and other treatment
03:59 day care
04:11 non payable items
04:49 bonus
05:04 ratio and history
12 июл 2024
