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Health Insurance Online

Medical inflation has been on the rise for some years and is projected to be so for many coming years. The so called small medical procedures are not small anymore from an expense perspective. Having Health insurance saves money by covering for required medical expenses in case of an injury or a sickness. Without a Health insurance, managing an accident situation or for that matter medical need of an immediate family member will be very challenging. All are recommended to have Health insurance in India as it is not only affordable, but also provides the required peace of mind.

Health Insurance Comparison Benefits

Bimadirect works with leading health insurance companies in India and brings you specific quotes from them for your health insurance needs. You can view all information, do a side by side comparison of health insurance policies and then make your informed choice at your own convenience. Buying health policies was never so easy. We make buying health insurance in India easy, quick and cost-effective. Whether you are looking for a health policy that covers pre and post hospitalization expenses, expenses for day care procedures, critical illness, cashless claims, etc., we have health policies that cover all and also provide you with tax benefits per prevailing government norms.

Why Buy Health Insurance

The term ‘Health Insurance’ relates to a type of insurance that essentially covers your medical expenses. A health insurance policy like other policies is a contract between an insurer and an individual / group in which the insurer agrees to provide specified health insurance cover at a particular “premium” subject to terms and conditions specified in the policy.

What are the Types of Health Insurance

Group Health Insurance
Whenever a large group of people say over 20 who work, stay or are bonded by some nature of job are willing to get a Health insurance plan, they are eligible to obtain a Group Health Policy. Under a group health policy people who may have adverse health condition can also easily get health cover due to the greater negotiating power that a group contains versus an individual policy. This cover is usually provided by Employers as an employee benefit.

Individual Health Insurance
The term “individual” is used when the policy provides Health insurance coverage to a single individual. Individual Health Insurance plan offer more protection to a policyholder, as in such a policy the policyholder can consume the entire amount alone without have to worry about sharing it with other members of his family which is the case of a floater policy.

Family Floater Health Insurance
Family Floater Plans refer to those which cover the entire family under one plan. Under a family floater plan the people covered share the total health insurance available to them. The benefit under such a plan is that since a large group of people share the same insurance cover the premium to be paid is far lesser in case they all would have bought an individual plans for themselves.

Personal Accident
This policy provides financial compensation in the event of death or permanent physical disability caused solely & directly from an accident by any external, violent & visible means.

Cancer Insurance
Cancer Insurance Policy provides substantial financial support so that one can be adequately treated in time, allowing return to a normal life after cancer. Cancer Insurance relieves you of the crippling costs of curing cancer.

Critical Health Insurance
A critical health insurance policy helps cover major diseases which are either terminal or can reduce the human body to a vegetative state. Some of these would include, Alzheimer's disease, blindness, deafness, kidney failure, major organ transplant, multiple sclerosis, HIV/AIDS contracted by blood transfusion or during an operation, Parkinson's disease etc.

Travel Insurance

Travel Insurance offers insurance protection while you travel. Travel Insurance may be called by different names by insurance companies. It is important for you to check and understand whether the policy covers domestic travel or overseas travel or both. Travel Insurance protects you and/or family against travel related accidents, unexpected medical expenditure during travel, losses such as baggage loss, loss of passport etc and interruption or delays in flights or delayed arrival of baggage etc.

You must read and understand what the policy you are considering exactly covers. Do ask you insurer and/or agent or broker questions to clear all your doubts and go through the terms and conditions of the cover thoroughly. Travel Insurance normally offers cover only during a specific period of travel. However, some insurance companies may offer various combinations of protection to cater to the specific needs of customers e.g., there could be a special policy for Corporate Frequent Travellers etc.

Types of Travel Insurance

Travel Insurance policies take care of emergencies during your travel, whether overseas or domestic. It covers unforeseen emergencies like lost baggage (and passports), flight delays, personal accidents, even a hospital stay in a strange unknown place while you are traveling

Travel Insurance
Travel Insurance policies take care of emergencies during your travel, whether overseas or domestic.
It covers unforeseen emergencies like lost baggage (and passports), flight delays, personal accidents, even a hospital stay in a strange unknown place while you are traveling

Overseas Travel Insurance
An insurance product designed to cover the costs and reduce the risk associated with unexpected events during an international travel. Overseas Travel insurance usually covers the insured in two main categories: costs associated with medical expenses and trip related losses and cancellations.

Students Traveling Overseas
Students Traveling Overseas for education need to protect themselves against health risks and accidents. Most universities abroad have a mandatory requirement for such cover.

Senior Citizen Insurance
Travel insurance plans designed specifically for senior citizens whο аrе between thе ages οf 70 аnd 79 to help them address medical emergency situation while travelling overseas.

Domestic Trip
An insurance product designed to cover the costs and reduce the risk associated with unexpected events during domestic travel within India.

Group Travel Insurance
Insurance cover obtained by organizations who have employees or members who are required to travel either internationally or domestically while on business or leisure. This provides cover for expenses related to medical treatment, emergency medical evacuation, flight cancellations or lost luggage.

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