Buying Long-Term Health Insurance Policy in India

 

In the middle of your busy day to day schedule, it is quite natural to forget your health insurance renewal date. Forgetting to renew your health insurance on time may cost you a lot.

Well, we know it will provide you more sense of security and relaxation if you could buy health insurance for a longer period. Think no more because many insurance companies in India provide long-term health insurance policies with a maximum time period of three years. There are a number of benefits of choosing to buy multi-year health insurance policy since it offers you a broad range of additional advantages including additional discounts on the premium with added protection.

• Save On Your Premium

By opting for long-term health insurance online policy, you can save up to 20 to 40% on your premium. So this basically means that you will have to pay a reasonably lower premium when you go for long –term health insurance policy rather than choosing going for yearly health insurance policy renewal scheme.

• Easy Policy Portability

You can easily port your long-term health insurance policy from one insurer to a different insurer after the completion of a certain time period as per your health insurance online plan and its guidelines.

• Easy on Waiting Period

Long term health cover will be beneficial to the waiting period imposed by your health insurance provider. With a long term policy, you will be covered for a long time and the waiting period will also be intact without any break in the policy.

• Forget the Date of Health Insurance Policy Renewal

You no longer have to struggle with keeping in mind the due date for your health insurance policy renewal. Given that long-term health cover lets you take pleasure in the benefits of mediclaim policies for a long period of time, you can afford some relaxation.

• Instant and Quick Health Insurance Policy Online

You no longer have to keep up with the unnecessary and boring paperwork regarding the purchase a good health cover for yourself or your family. You can buy the best medical insurance policy online with long-term insurance validity. You will have to provide the necessary details regarding your policy and health and you will receive a single page document of your long term health insurance policy.

Apart from all these above-mentioned advantages of a multiyear health insurance policy, there are some more additional benefits that come with them such as additional discounts, cashless hospitalization facilities, etc and many more.

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What are the benefits of National Parivar Mediclaim Policy

 

National Insurance Parivar Mediclaim is a floater policy that provides coverage for the whole family and that includes self, spouse, parents, and dependent children. All the members can be covered under one Sum Insured. This National insurance policy is considered as the finest health plan for your family since it provides useful coverage.

Features and Benefits of National Parivar Mediclaim Plan

1. Lifelong renewal option is available for this National Parivar Mediclaim Plan.
2. If you buy this National mediclaim policy, you can avail of pre and post-hospitalization expenses up to 30 days and 60 days accordingly.
3. Organ Donor hospitalization cost is included under this National health insurance policy.
4. If 24 hours hospitalization is not needed, then more than 140 daycare treatment costs will be provided.
5. Domiciliary treatment expenses are covered up to 20% of the Sum Insured that is subject to the maximum limit of Rs 50000.
6. Provides coverage for maternity newborn up to 10% of the Sum Insured and that is subject to Rs 30000 for normal delivery and Rs 50000 cesarean delivery.
7. Infertility treatment costs up to Rs 50000.
8. Ambulance charges also covered up to a specified limit.
9. Daily cash allowance for one person up to Rs 300 for a maximum of 5days.
10. Ayurvedic, Homoeopathy treatments are also payable under this National health insurance plan
11. 5 % discount on the base premium for each claim-free year is available under this policy.

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