At Aggarwal Finserv, we understand that health is one of your most valuable assets. That's why we're committed to providing you with top-tier health insurance solutions that ensure you receive the care you need without the financial strain. Our range of health insurance plans is designed to offer comprehensive coverage, flexibility, and peace of mind, so you can focus on what truly matters—your health and well-being.
we believe that securing your health should be straightforward and reassuring. Our comprehensive health insurance plans are designed to provide robust protection against medical expenses, offering you and your family peace of mind.
Health Insurance
The main benefit of health insurance is providing quality treatment without financial strain. The policy covers expenses like doctor's fees, nursing care, room rent, surgery charges, prescription medicines, etc, during the hospital stay. It also covers pre and post-hospitalisation expenses, annual health checkups, etc
Medical expenses can be unpredictable and often high. Health insurance helps cover the cost of doctor visits, hospital stays, medications, and treatments, reducing your out-of-pocket expenses.
With health insurance, you gain access to a network of healthcare providers and specialists, ensuring you receive high-quality care when you need it.
Many insurance plans cover preventive care, such as vaccinations and screenings, helping you catch potential health issues early and maintain your overall well-being.
Knowing you’re protected against unexpected medical costs allows you to focus on staying healthy and enjoying life.
Benefits of health insurance : benefits of health insurance are domiciliary hospitalization, home care treatment, organ donor expenses coverage, emergency road and air ambulance cover, critical illness treatment, long-term policy discounts, no-claim bonuses, and tax benefits. But the coverage and benefits is depend on insurance companies policy.
We offer a range of plan options to fit your specific needs and budget. Our advisors are here to help you navigate these options and select the best plan for you and your family.
Our customer support team is dedicated to providing you with personalized assistance and answering any questions you may have about your coverage or claims process.
Gain access to an extensive network of healthcare providers, ensuring you have quality options for your care and treatments.
We provide clear, straightforward information about coverage details, benefits, and costs, so you can make informed decisions without any surprises.
As per insurance experts, the coverage under your health insurance policy should be at least 50% of your yearly income. A minimum of Rs 10 lakh of medical insurance cover is required to meet expensive treatments like bypass surgery, COVID-19 treatment and related complications, etc.
You can claim your health insurance policy after you get hospitalized or avail a treatment. You must raise a claim with your insurance company within 24 hours of an emergency hospitalization and at least 48 hours before your planned hospitalization.
Health insurance policies do not return the premium paid, if there is no claim made during the policy term. The premiums are used to cover the cost of claims made by policyholders, and they are not refundable.
All you have to do is select a Health Insurance plan and enter information such as age, health condition, etc. It allows you to compare premiums, coverage and exclusions based on your age and health factors.
Yes, senior citizens can be included for coverage in a family floater health insurance plan. The age limit for entry is 65 years post which you enjoy lifelong renewability. The age limit for the Arogya Top Up Policy has been extended up to 70 years.
Overall, health insurance works by providing financial protection against medical emergencies, covering medical expenses up to a certain amount and providing benefits like cashless medical treatment and tax benefits.
When a claim arises you should inform the insurance company as per procedures required. After hospitalisation, you have to ensure that you obtain and keep ready documents such as claim form, discharge summary, prescriptions and bills that you should submit for a claim.
If it is a cashless policy, you need to approach the Third Party Administrator (TPA) in the network hospital. The TPA will get your hospital bill directly reimbursed. If the treatment is not cashless, you will have to pay the bills, and the insurance company will then reimburse your expenses.
Below are the essential criteria for health insurance eligibility: Age: The age limit for becoming a policyholder ranges from 18 to 65 years. The health insurance eligibility for children is from 90 days to 18 years.
However, it's generally a good idea to consider purchasing term insurance in your 20s or 30s. This is because premiums for term life insurance are significantly lower when you're younger and healthier. The risk of disease increases with age, and this can lead to increased premiums or even denial of coverage.