Health Insurance Plans. Please suggest some best plans?

Question

I am a 25yrs Male. I wish to apply for a Health Insurance. I am pretty much confused which plan should I take. I do have a Mediclaim policy from my Office, but I wish to have that for my parents & want a separate cover for myself.

I am looking for the following benefits..

1. The policies should cover from range of features like Hospitilisation expenses, surgical, accidental cover, permanent disablility & critical Illness.

2. Incase if I have not made any claim, the entire premium should be returned on Maturity.

Please suggest me the best Insurance Plan I can choose for.

Answer 1

Although it is not Insurance, Discount Medical plans do offer a service that will help with the costs of health care and for a much lower monthly cost.

Take a look at Ameriplan. (below)

Answer 2

Find a health insurance broker that does business in your state

http://www.InsurancePickle.com  

Answer 3

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some will suggest a discount plan but that is not insurance.

Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.

If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low co-pays your monthly premiums will be significant.

On the other hand you are young and presumably healthy and rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.

Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.

Use the Internet to educate yourself but use an agent to purchase the coverage.