Medical insurance has become a necessity in most societies As it helps us be protected from expensive health episodes. From hospitalization to chronic illness and preventive healthcare needs, having the right health insurance policy means you will not be left with a mountain of health expenses to pay. However, the problem of selecting health insurance becomes a concern due to the high number of available plans. To make your task easy, Fin Matters is a leading health insurance agent in Panchkula Chandigarh. We have a team of professionals who explain health insurance plans and select the best Health insurance in Mohali
Types of Health Insurance Plans:
There are many types of Health insurance plans. Let’s understand the types of health insurance plans-
Individual Health Insurance
At FinMatters, a leading health insurance provider, we offer individual health insurance plans that cater to specific health needs. Our health insurance agent in Panchkula Chandigarh can help you choose the right plan for personalized and comprehensive coverage.
Family Floater Plan
Family Floater Plan is one policy that provides an array of insurance for all the members of the family. The premium payable is split in the family, the total insured amount therefore goes through the roof, especially where it is a young family with healthy members.
Group Health Insurance
A Group Health Insurance plan is a type of medical insurance for employees by employers to their employees to cater the medical insurance to a group. It is cheap and thus comes with few features that the employee may want and can be fully dictated by the employer.
Critical Illness Insurance
FinMatters, a leading health insurance provider, offers plans covering critical illnesses like cancer and heart disease. Our plan provides a cash benefit upon diagnosis, covering treatment and recovery expenses. Contact our health insurance agent in Mohali for expert guidance.
Maternity Health Insurance
Maternity policy entails costs that are incurred in childbirth and maternal health. Some also, give cover to newborns for a certain duration of time after birth. Hence a perfect plan for parents-to-be.
Check These Things Before Choosing a Health Insurance Package
Before choosing a health insurance package, it’s crucial to assess key factors that influence your coverage and expenses. Review these five essential aspects to ensure you select the ideal plan that meets your needs. For expert advice and tailored solutions, consult a health insurance agent in Mohali.
Coverage and Benefits
- It is crucial to consider what was included and what was left out of the coverage.
- Make sure it incorporates health concerns, hospitalization, day-care processes, and hospitalization costs before and after.
Network Hospitals
- It is vital to have a large number of cashless hospitals.
- Check that the insurer has affiliations with good hospitals in your city and neighboring regions for fast and hassle-free claims.
Pre-Existing Diseases Waiting Period
- While signing up for the health insurance policy, most of them have a waiting period, especially for preexisting diseases like diabetes or hypertension and so on.
- Sometimes there are waiting periods that are different with the insurance policies as well as the insurance companies.
Claim Settlement Ratio
- Admittedly, the claim settlement ratio (CSR) is one of the most essential measures reflecting the insurer’s efficiency.
- A high CSR implies that the insurance company shall provide claims services at their rightful time, and there shall be few or no rejections.
Premium vs Coverage Balance
- The lowest tier may also have the least benefits and the most expensive plan may have more benefits provided to the users.
- They should also ensure that there is a proper balance between the amount to be paid as the premium and the amount that is to be compensated.
How to Purchase Health Insurance in Chandigarh
To purchase health insurance in Chandigarh, begin by assessing your needs and budget. Research various health insurance plans available in India and consult with a trusted health insurance agent in Chandigarh.
You can check out the following steps-
- Assess Your Needs: First of all, it is necessary to evaluate your health needs depending on your age, family history of diseases, and financial possibility.
- Compare Plans Online: Do a comparison between various plans available that are based on the plan coverage, plan premium, and the benefits offered.
- Seek Expert Advice: One should consult insurance agents and insurance advisers to understand the detailed differences in the plans and get recommendations. Fin Matter is the best Health insurance Agent in Chandigarh, you can reach out to us.
- Check for Tax Benefits: You can also advance tax on health insurance premiums to be deductible under section 80D of the Income Tax Act. Consider this while purchasing.
- Complete the Documentation: Provide your basic info including age and health condition as well as family details and upload the required documents for purposes of authentication.
- Make the Payment: After being sure that you have chosen the best insurance firm, you can go ahead and make the payment for the policy online and you will be given the policy within a few minutes.
- Renew Regularly: It is always important to check on renewal dates to avoid receiving notices that a policy is no longer valid.
Top Health Insurance Agent in Panchkula Chandigarh
As the top health insurance agent in Panchkula, Chandigarh, we offer expert guidance to help you find the ideal health insurance plan. Our services ensure tailored solutions for comprehensive coverage and financial protection, meeting your specific needs. Choosing the right insurance provider is as critical as the choice of an appropriate insurance policy.
Here’s why Fin Matters stands out:
Wide Range of Plans
As for health insurance, Fin Matters provides several insurance solutions targeting individuals and families, senior citizens, etc.
Expert Guidance
At Fin Matters, you deal with expert insurance advisors who assist you in making the right decision in coming up with the right plan, which suits your needs.
Seamless Claim Process
At Fin Matters, the emphasis is on user-friendly claim generation and settlement. Known for its high claim settlement ratio, you can be assured that the claims you are making are will processed as soon as possible.
Tailored Solutions
We provide solutions that may be adapted to the particular needs of the client so that unnecessary coverage costs may be avoided while the advantages accrued from the coverage are optimally reaped.
Local Expertise
Being a Chandigarh-incorporated company, Fin Matters is aware of the demography and will guarantee that your policy has embraced the right hospitals and medical facilities within your reach.
FAQs on Health Insurance Agents in Panchkula Chandigarh
Q.1 Can I get health insurance from you?
Yes, we are a leading health insurance agent in Chandigarh. You can contact us and get your health insurance easily.
Q.2 Can you help with the claim settlement?
Yes, we are one of the best health insurance agents in India. We can assist you in the claim settlement process.
Q.3 How can I find a reliable health insurance agent in Chandigarh?
If you are looking for a reliable health insurance agent in Chandigarh, Fin Matters can help you. Our team will guide you through the process.
Q.4 What types of health insurance policies does Fin Matters provide?
We offer various types of health insurance policies such as individual health plans, family plans, critical illness coverage, and many more.
Q.5 Do I need to pay you extra for health insurance?
Fin Matters, a leading financial consultant, charges an affordable fee for services. However, we guarantee you the best price in Chandigarh.
Q.6 Can you help me with policy renewal?
Yes, we can help with policy renewal. Our team will also remind you before the renewal date approaches.
Q.7 Do you work with multiple health insurance companies?
Yes, we are partnered with several health insurance companies. Our team will help you choose the best option based on your needs.
Q.8 Is it necessary to meet with you in person to get health insurance?
No, there is no need to meet in person if you prefer not to. We offer an online option where you can submit all the details and documents electronically.
Q.9 What documents are required to get health insurance?
To get health insurance, you need to provide an Aadhaar card, address proof, medical history, and other necessary documents, and our team will begin the process.
