Health insurance is a type of insurance that covers medical and surgical expenses that arise due to an illness or accident. These expenses could be related to hospitalisation costs, cost of medicines or doctor consultation fees.
Health insurance aims to take care of your expenses in a time of medical crisis. To put it simply, the insured pays regular premiums to the insurance provider, and in return, they offer financial support to them.

Benefits of Health Insurance:

• Optimum Coverage
• Cashless Claim Benefit
• Additional Protection
• Tax Benefits

How to choose a good Health Insurane Plan:

• Protection against a large number of critical illnesses
• Flexibility to choose your health cover
• No increase in premiums during the policy term even if your health condition changes
• Long policy term that covers you even in your old age
• Large hospital network for easy access to medical treatment

Mediclaim Insurance -
This provides compensation for the hospitalization expenses that occur due to accidental stay or illnesses. It includes nursing charges, surgery expenses, oxygen, anesthesia, doctor’s fee, etc.

Individual Insurance -
This is the most common type of health plan available. As the name suggests, it is meant for the insured individual only. The payable premium depends upon the insured individual’s age, medical history, and other relevant factors. You can add additional members to the plan by paying an extra premium.

Family Floater Health Insurance - 
Single Sum Insured floats for all the members covered under the policy. A Family Floater Health Insurance Plan is beneficial because the premium is comparatively lower than the Individual Health Insurance policy. This policy can cover yourself, your spouse, children and parents.

Critical Illness Insurance -
The Critical Illness Insurance plan insures the person by offering a lump sum amount of money for life-threatening diseases. At the time of buying the insurance, the chosen health problems are included, and if you get affected by any of the pre-selected conditions, you can claim your insurance. Hospitalisation is not required to file a claim under this type of insurance policy. Only the diagnosis of the disease can make you avail the benefits of the critical illness insurance. The amount to be paid is pre-decided irrespective of pre and post-hospitalization expenses. Below is a list of all the critical diseases that are covered up in the Critical Illness Insurance.

• Major organ transplant
• Cancer
• Aorta graft surgery
• Kidney failure
• Stroke
• Multiple sclerosis
• Paralysis
• First heart attack
• Coronary artery bypass surgery
• Primary pulmonary arterial hypertension

Group Health Insurance -
Group insurance is a type of insurance plan that covers a number of people in the same contract. Such a plan provides the same level of insurance coverage to all members of a group irrespective of their age, gender, occupation or socio-economic status.

For other insurance information feel free to contact Shree Malhar Insurance

VIMP factors in Health Insurance selection -

• Pre-Post Hospitalization
• Ambulance Cover
• Day Care Treatment
• ICU Charges
• Doctor’s Fee etc
• Other Medical Charges
• Daily Allowance
• Domiciliary Hospitalization
• Organ Donor Cover
• Annual Health Check Up
• Second Opinion
• No Claim Bonus
• Auto Reset
• Room Rent
• In Patient Hospitalization
• Personal Accident
• Maternity Cover

USP of Shree Malhar Insurance -

• Provide health insurance plan as per customer need
• Suggest plan as per customer medical history or medical condition
• For Heart treatment patiants we have Care Heart Plan
• Pre disease case history we will give insurance
• Suggesting insurance with No capping,No sub limit,No Room rent restriction
• Suggesting insurance with NO Admin charges, No Desposable Charges with NO CLAIM BPNUS CONTINUTY
• Providing health insurance plan with 600% NO CLAIM BONUS
• We have health plan with AYUSH treatment upto Sum Assured
• Health Plan providing with Domiciliary and Organ donor add on
• Having Maternity Plan with 9 months waiting period only
• Lowest premium with Cover of 50 lacs
• Plan suggest in which Unlimited Auto Reset given
• Plan suggesting with all advanced treatment covered without term and conditions
• Having health insurance plan from Sum Assured Rs.2 lacs to Rs.3 Cr
• Providing health insurance plan with below USP -
  • 19000+ Cashless Healthcare Providers
  • Coverage against COVID-19
  • 95.2% Claim Settlement Ratio*
  • Tax Benefits Under Section 80D
  • 30 Lacs+ Claims Settled

Worked with Below Health Insurance Companies