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🔹 Types of Health Insurance Plans

1. Individual Health Insurance

   • Covers one person.

   • Suitable for individuals who want personal coverage.

2. Family Floater Plan

   • Single sum insured shared among family members.

   • Cost-effective if you want coverage for your spouse, children, and parents.

3. Group Health Insurance

   • Usually provided by employers to their employees.

   • Often includes dependents.

4. Critical Illness Insurance

   • Provides a lump-sum payment upon diagnosis of specific illnesses (e.g., cancer, stroke, heart attack).

5. Senior Citizen Health Insurance

   • Designed for people above 60 years.

   • Covers age-related illnesses with higher premiums.

6. Maternity Health Insurance

   • Covers pregnancy-related expenses, delivery, and newborn care.

7. Top-Up / Super Top-Up Plans

   • Extra coverage over an existing health insurance policy.

   • Useful for high medical bills.

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🔹 Key Features of Health Insurance

• Sum Insured: Maximum amount the insurer will cover in a year.

• Premium: The cost you pay for the policy.

• Cashless Treatment: Direct settlement of hospital bills at network hospitals.

• Pre & Post Hospitalization Cover: Expenses before and after hospitalization.

• Daycare Procedures: Covers treatments not requiring 24-hour hospitalization.

• No Claim Bonus (NCB): Reward for not making any claims in a policy year.

• Pre-Existing Disease Cover: Coverage after a waiting period.

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🔹 How to Choose the Right Plan

1. Check the sum insured (should match medical costs in your city).

2. Compare premiums vs. coverage.

3. Look for cashless hospital networks.

4. Review waiting periods for pre-existing and maternity coverage.

5. Ensure lifetime renewability.

6. Read exclusions carefully.