Duniya ta canza a cikin 2020 ta fuskar lafiya, rigakafi, da kiyayewa. Kuma har yanzu muna sake tunatar da mu mahimmancin inshorar lafiya.
Idan ya zo ga inshora, yawancin mutane a Indiya suna da inshorar rayuwa. Dalilin da ya sa inshorar rayuwa ke sayarwa yana yiwuwa saboda muna so mu yi tunani game da ɗan jin daɗi ga iyali a yayin da muka mutu a kan lokaci.
Inshorar rayuwa kuma tana aiki azaman kadara. Bayan ƙayyadadden wa'adi, za mu dawo da babban adadin da duk wasu kuɗin da aka biya tare da ribar riba.
Duk da haka, wannan bai dace da inshorar lafiya ba. Inshorar lafiya tana tabbatar da ku ko tana kiyaye ku daga farashin da aka kashe don matsalolin da ke da alaƙa da lafiya waɗanda ke buƙatar shigar da ku asibiti ko makamancin wurin likita. Tsarin inshorar lafiya baya bayar da kuɗin da ya ɗauka a matsayin babban adadin da adadin kuɗi.
Koyaushe tuna, inshorar lafiya kuma jari ne. Kullum za ku sami raguwar haraji har zuwa RS. 25000 premium.
Ga yawancin ƙasashe masu tasowa, ko ƙasashen da ke da babban bambanci a cikin kuɗin shiga kowane mutum, inshorar lafiya abin alatu ne. Ka manta da matalauta - yawancin masu matsakaici da matsakaicin matsakaici ba su da inshorar lafiya a nan.
Matan Indiya da Inshorar Lafiya
Mata sun fi maza muni idan ana maganar siyan inshorar lafiya. Daga hangen nesa na sirri, na yi tunanin inshorar lafiya ne kawai lokacin da na haifi jaririna. Ina so a ba ni inshora daga yiwuwar barazana ga rayuwata domin ina so in kasance a wurin don ganin jaririna ya girma.
Duk da yake hakan na iya zama kamar rashin son kai & uwa ga yawancin mutane, zan iya gaya muku cewa wannan zato ne na wauta don tunanin cewa inshorar lafiya ba a gare ku ba ne har sai kun sami nauyi mai nauyi a wuyanku, kamar na kula da yaranku ko tsofaffi. iyaye.
Hakanan abin ban mamaki ne yadda muke tunanin inshorar rayuwa yana taimaka wa danginmu bayan tafiyarmu lokacin da za mu iya, a maimakon haka, mu tabbatar da lafiyarmu da kyau. Yawancin mutanen da ba su da inshora suna mutuwa da wuri a asibitoci saboda damuwar biyan kuɗin asibiti.
Don haka inshorar lafiya kuma yana kawo jin daɗi. Sanin cewa an fi samun inshorar ku daga kuɗin da ake kashewa na rashin lafiya yana da tabbaci da ta'aziyya.
Amma duk sun ce, farashin mallakar inshorar lafiya yana da alaƙa. Tare da hauhawar kuɗi, mutumin da muke yawan sakaci shine kanmu. Wannan ya sa yawancin mu gaba daya mu watsar da ra'ayin inshorar lafiya.
Abin godiya, yawancin ƙungiyoyin gwamnati a Indiya suna da ma'aikatansu da danginsu na kusa a ƙarƙashin tsare-tsaren inshora na lafiya. Yawancin kasuwancin masu zaman kansu kuma suna ba da fa'idodin inshorar lafiya ga ma'aikatansu da danginsu na kusa (iyaye, yara, mata).
Koyaya, adadin mutanen da ba su mallaki inshorar lafiya ya zarce adadin mutanen da ke yin hakan ba. Wannan sakon yana nufin waɗancan ƴan uwan da yawa waɗanda za su iya samun inshorar lafiya amma ba tukuna ba saboda dalilai da yawa, gami da farashi.
Abubuwan da za a yi la'akari lokacin siyan Inshorar Lafiya
Kafin mu ci gaba zuwa manyan inshorar lafiya marasa samun kuɗi na 15 da ake samu a Indiya, bari mu hanzarta bincika abubuwan da muke buƙatar tunawa yayin zabar inshorar lafiya:
- Wanda muke saya don kanmu ko na iyali.
- Adadin kuɗi da ɗaukar hoto da aka bayar don iri ɗaya.
- Lokacin jira watau lokacin da duk fa'idodin ɗaukar hoto ke aiki. Wannan ya fi yin la'akari lokacin siyan inshorar lafiya ga manyan dangi.
- Duba abin da aka rufe da abin da ba a rufe.
- Ko an bayar da fa'idodin magani marasa kuɗi.
- Idan shirin ya ƙunshi fa'idodin asibiti kafin zuwa asibiti da kuma bayan asibiti, musamman lokacin siyan tsofaffi.
- Rufin kulawar gida ko a gida.
- Ko an rufe kuɗaɗen da suka shafi lafiyar haihuwa da haihuwa.
Yanzu mun kawo muku tsare-tsare 15 masu karamin karfi na Inshorar Lafiya waɗanda ba su da wani rami a cikin kuɗin ku. Waɗannan inshorar suna da tsada amma suna da fa'ida sosai ga mafi munin yanayin asibiti.
1. HDFC ERGO Health Optima Restore Plan
HDFC, daya daga cikin manyan cibiyoyin hada-hadar kudi na Indiya sun hada kai da kamfanin inshora na Jamus ERGO don samar da sabis na inshora a Indiya. Kamfanin yana da adadin tsare-tsaren inshora masu araha, kuma Mayar da Lafiya ta Lafiya shine wanda ya shahara sosai.
Dangane da gidan yanar gizon su na hukuma, ƙimar ƙimar mutum ƙasa da 40 don ɗaukar nauyin lakh 5 zai kusan Rs. 5000 - Rs. 8000 a kowace shekara. Akwai fa'idodi da yawa da aka rufe kamar duba lafiyar sabuntawa kyauta, ɗaukar hoto na lafiyar hankali da AYUSH (madadin jiyya na Ayurveda, Unaani, Siddha da Homeopathy). Wannan ya sa Health Optima Restore ɗaya daga cikin mafi ƙarancin inshorar lafiya mai araha a Indiya.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: 3 lakh - 50 lakh
Cibiyar sadarwa na Asibitoci: 10,000 +
Lokacin Jira: 3 Years
An Rufe Shekaru: Shekaru 5 zuwa 65
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na HDFC ERGO Health Optima Restore Plan. nan .
2. HDFC ERGO My:Health Suraksha
Wani tayin mai sada zumunta daga HDFC ERGO sabis na inshora na kiwon lafiya shine shirin My:Health Suraksha. Wannan shirin yana ba da tanadin harajin shiga, jiyya na gida, da asibitocin kula da rana. Shirin kuma yana ba da kari ga kowane sabuntawa mara izini.
Shirin My:Health Suraksha shima ya shafi kudaden masu ba da gudummawa ga gabobin jiki. Idan aka kwatanta da fa'idodin da aka bayar, wannan shirin yana da araha kuma mai dacewa da kasafin kuɗi.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: 3 lakh - 50 lakh
Cibiyar sadarwa na Asibitoci: 10,000 +
Lokacin Jira: Ya bambanta, mafi ƙarancin kwanaki 30
An Rufe Shekaru: 18 + Shekaru
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na HDFC ERGO My:Health Suraksha nan.
3. Inshorar Lafiya ta Kula (wanda aka sani da Religare)
Inshorar Kiwon Lafiyar Kulawa, wanda yawancin mu sun fi sani da Religare, sanannen suna ne idan ana maganar inshora. Shirin Inshorar Kiwon Lafiyar Kulawa yana ba da fa'idodi da yawa kuma yana rufe hanyar sadarwa na asibitoci sama da 11000. Wannan ya sa ya zama ɗaya daga cikin tsare-tsaren inshora da aka fi ba da shawarar a cikin nau'in inshorar lafiya mai ƙarancin kuɗi.
Wasu fitattun fasalulluka na shirin Inshorar Kiwon Lafiyar Kulawa sune ɗaukar nauyin motar asibiti, babu wani kari na da'awar, ɗaukar hoto kafin da bayan asibiti da ɗaukar nauyin kuɗin masu ba da gudummawa.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: 4 lakhs - 6 crores
Cibiyar sadarwa na Asibitoci: 11,000 +
Lokacin Jira: Ya bambanta, mafi ƙarancin kwanaki 30
An Rufe Shekaru: Wata 3 gaba
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na Inshorar Lafiya ta Kula nan.
4. Aditya Birla Activ Assure Diamond Plan
Ofaya daga cikin abubuwan ban mamaki na Shirin Activ Assure Diamond Plan daga ƙungiyar Aditya Birla shine ɗaukar motar daukar marasa lafiya ta iska.
Wannan shirin kuma ya zo cike da abubuwa da yawa waɗanda za su iya zuwa da amfani a cikin lokutan wahala na yau kamar ƙarin ɗaukar hoto don asibiti ciwon daji, ɗaukar horo na kiwon lafiya da maganin AYUSH. Gidan yanar gizon su mai sauƙin amfani ne kuma suna da goyon bayan abokin ciniki mai aiki don ɗauka cikin tambayoyin abokin ciniki.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: 2 lakhs - 2 crore
Cibiyar sadarwa na Asibitoci: 6000 +
Lokacin Jira: 2 shekaru
An Rufe Shekaru: 5 shekaru gaba
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na Aditya Birla Activ Assure Diamond Plan. nan.
5. Max Bupa Health Companion
Wannan babban shirin Abokin Lafiya na Max Bupa yana farawa daga Rs. 5085 a kowace shekara kamar yadda aka yi talla a gidan yanar gizon su. Wannan abu ne mai araha sosai ganin fa'idodin da yake bayarwa. Fa'idodin sun haɗa da motar asibiti ta gaggawa, kulawar kulawar rana, ɗaukar hoto na AYUSH, kuɗin dashen gabobin jiki da ɗaukar hoto na gida.
Za a iya kammala shirin Abokin Kiwon Lafiya lafiya azaman shawarar inshorar lafiya a cikin ƙungiyar inshorar lafiya mai ƙarancin kuɗi.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: Har zuwa 1 Crore
Cibiyar sadarwa na Asibitoci: 4500 +
Lokacin Jira: 2 Years
An Rufe Shekaru: Wata 3 gaba
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon Max Bupa Health Companion Mutum ɗaya. nan.
6. Manipal Cigna Prohealth Plus
Manipal Cigna Prohealth Plus shiri ne mai araha mai araha. Ya shafi ɗaukar ciki, jarirai da allurar rigakafi. Don ƙimar kuɗi na Rs. 15,307 (kamar yadda ta gidan yanar gizon su), zaku sami ɗaukar hoto har zuwa Rs. 50 lakhs.
Baya ga ɗaukar nauyin haihuwa, Manipal Cigna Prohelth Plus kuma yana ƙara fa'idar motar asibiti ta iska. Shirin yana kuma bayar da shirye-shiryen duba lafiyar likita da lafiya.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: Rs 2.5 lakhs - 2 crores
Cibiyar sadarwa na Asibitoci: 6500 +
Lokacin Jira: 3 watanni
An Rufe Shekaru: Wata 3 gaba
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na Manipal Cigna Prohealth Plus nan.
7. Royal Sundaram Lifeline Supreme Plan
Tsarin jirgin ruwa na Royal Sundaram Lifeline koli na dangi ya ƙunshi alaƙa 19 daban-daban a cikin manufa ɗaya. Hakanan yana ba da ɗaukar hoto don kashe kuɗin haihuwa. Akwai kuma tallafin abinci mai gina jiki ga sabuwar uwa. Don shirin Mutum ɗaya, babu babban hayan ɗaki. Alurar riga kafi don cizon dabba an rufe shi a cikin tsarin mutum - kyakkyawan alama ga mutanen da ke da dabbobi a gida.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: 5 lakh - 50 lakh
Cibiyar sadarwa na Asibitoci: 5000 +
Lokacin Jira: 2 shekaru
An Rufe Shekaru: 18 shekaru gaba
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na Royal Sundaram Lifeline Supreme Plan. nan.
8. Tsarin Inshorar Lafiyar Iyali Optima
Star Insurance yana ɗaya daga cikin manyan masu ba da inshora 3 a Indiya. Stat Insurance sananne ne don ƙulla yarjejeniya cikin sauri. Mai ba da inshora yana da babban cibiyar sadarwa na asibitoci a ƙarƙashin fikafikan sa, da wasu ƙarin fa'idodi da aka rufe.
Wasu daga cikin waɗannan fa'idodin ana taimakawa maganin haifuwa, lokacin alheri na watanni 4 don sabuntawa, da ɗaukar jaririn jarirai.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: 1 lakh - 25 lakhs
Cibiyar sadarwa na Asibitoci: 9900 +
Lokacin Jira: 4 shekaru
An Rufe Shekaru: 18 shekaru gaba
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarunku, da fatan za a ziyarci gidan yanar gizon hukuma na Tsarin Inshorar Lafiya na Iyali na Star nan.
9. Bharati AXA Smart Health Assure Plan
Tsarin Tabbatar da Kiwon Lafiya na Smart Bharati AXA cikakke ne ga ma'aurata waɗanda ke shirin faɗaɗa danginsu. Ya shafi kuɗaɗen haihuwa da kuɗin jarirai na watanni 3 na farko.
Bharati AXA yana da fiye da 98% rikodin sasantawa, kamar yadda yake a gidan yanar gizon su. Shirin Tabbatar da Kiwon Lafiya na Smart shine tsarin inshora mai dacewa ga daidaikun mutane da iyalai da ke neman inshorar lafiya mai ƙarancin kuɗi.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: 3 lakh - 4 lakh
Cibiyar sadarwa na Asibitoci: 4500 +
Lokacin Jira: 2 shekaru
An Rufe Shekaru: Watanni 3 zuwa shekaru 65
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na Bharati AXA Smart Health Assure nan.
10. Manufar Kariyar Lafiya ta IFFCO Tokio
IFFCO Tokio yana ba da ɗaukar hoto na dangi na manya 2 da yaro 1 akan ƙimar ƙasa da Rs. 10,000 a shekara don har 3 lakhs. Wannan yana da araha kamar yadda zai iya samu ga dangin nukiliya.
Manufar Kariyar Lafiya tana da fa'idodin jiyya marasa kuɗi kuma tana ba da fa'idodin jiyya. Ba a buƙatar gwajin likita ga mutanen da suka kai shekaru 60.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: Rs 50 - 25 lakhs
Cibiyar sadarwa na Asibitoci: 5000 +
Lokacin Jira: 4 shekaru
An Rufe Shekaru: 18 shekaru - 65 shekaru
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na Manufar Kariyar Lafiya ta IFFCO Tokio nan.
11. Tsarin Inshorar Lafiya na Lambobi
Kamfanin Inshorar Lafiya na Digit sabon mai shiga ne a sashin Inshora. Suna da gidan yanar gizo mai ban mamaki wanda ke bayyana a sarari buƙatar inshorar lafiya. Shirye-shiryen inshora da alama an gina su ne tare da kiyaye bukatun shekaru dubu da Gen Z a zuciya.
Shirye-shiryen Inshorar Lafiya daga Digit suna rufe cututtukan hauka. Suna kuma biyan kuɗin haihuwa da na jarirai. Sashen su na “Abin da Ba a Rufe Ba” yana da ban mamaki ƙanƙanta, kuma har zuwa ma'ana.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: 2 lakh - 25 lakh
Cibiyar sadarwa na Asibitoci: 5900 +
Lokacin Jira: 2 shekaru
An Rufe Shekaru: 1 zuwa 60 shekaru
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na Tsarin Inshorar Lafiya na Digit nan.
12. National Parivar Mediclaim Plus Policy
Kamfanin inshora na ƙasa shine jagora a cikin samar da sabis na inshora na Indiya. Yana cikin sashin inshora tun 1906.
Manufar Parivar Mediclaim Plus ta ƙasa ta kasance ɗaya daga cikin tsare-tsaren fasinja na iyali da aka siya a Indiya. Gidan yanar gizon su yayi bayani sosai akan abin da aka rufe kuma har zuwa wane jimla ko adadin kwanakin. Manufar Parivar Mediclaim kuma tana da zaɓin Tsare-tsare don zaɓar daga bisa ga buƙatun iyalai.
Nau'in Inshora: Family
Jimlar Insured: 6 lakh - 50 lakh
Cibiyar sadarwa na Asibitoci: 6000 +
Lokacin Jira: 2 shekaru
An Rufe Shekaru: Shekaru 18 zuwa 65
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na National Parivar Mediclaim Plus Policy nan.
13. Tsarin Lafiya na gaba na gaba na Suraksha
Shirin Suraksha Kiwon Lafiya na gaba na gaba shine shawarar inshorar lafiya mai ƙarancin kuɗi ga iyalai. Shirin Lafiya na Suraksha ya zo tare da zaɓuɓɓuka 4 don zaɓar daga - Zinariya, Platinum, Topaz da Ruby.
Gidan yanar gizon yana ba da cikakken bayani game da kowane zaɓi na shirin, kuma yana sauƙaƙa fahimtar abin da aka rufe ba. Hakanan yana ba da gwajin lafiyar lafiya kyauta da kwanaki 30 na lokutan alheri don sabuntawa.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: Rs 50,000 - 10 lakhs
Cibiyar sadarwa na Asibitoci: 5000 +
Lokacin Jira: 2 shekaru
An Rufe Shekaru: 18 shekaru - 65 shekaru
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na Future Generali Future Health Plan Suraksha nan.
14. Bajaj Allianz Health Guard Plan
Bajaj wani suna ne da aka amince da shi a Indiya, kuma tsare-tsaren inshorar lafiyar su ma suna da araha kuma ba za su iya isa ga talaka ba.
Shirin ya ƙunshi cututtukan tabin hankali, bincikar lafiya kuma yana ba da damar a rufe alaƙa da yawa a cikin manufofin iyali. Hakanan akwai rangwamen da ake bayarwa akan shekaru marasa da'awar, har zuwa 12.5% na adadin manufofin.
Nau'in Inshora: Mutum | Iyali
Jimlar Insured: 1.5 lakh - 50 lakh
Cibiyar sadarwa na Asibitoci: 6500 +
Lokacin Jira: 3 shekaru
An Rufe Shekaru: 18 shekaru - 65 shekaru
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na Shirin Tsaron Lafiya na Bajaj Allianz nan.
15. Manufofin Magani na Mutum na Lafiyar Gabas
Manufofin Magani na Mutum ɗaya na Kiwon Lafiyar Gabas wata manufa ce mai kyau ga matasa, marasa aure. Kamfanin yana da ƙungiyar sadaukarwa don sasantawa kuma yana da hanyar sadarwa na asibitoci sama da 4300 a ƙarƙashinsa.
Kodayake an yi niyya ga daidaikun mutane, manufar tana ba da rangwamen iyali. Hakanan yana ba da lokacin alheri da garantin sabunta manufofin rayuwa. Wannan tabbas shiri ne don bincika idan kuna neman tsare-tsaren inshorar lafiya masu ƙarancin kuɗi.
Nau'in Inshora: Mutane daya-daya
Jimlar Insured: 1 lakh - 10 lakhs
Cibiyar sadarwa na Asibitoci: 4300 +
Lokacin Jira: 4 shekaru
An Rufe Shekaru: Shekaru 18 zuwa 65
An rufe Covid 19: A
Don ƙarin cikakkun bayanai, kuma don ƙididdige ƙimar da ta dace da shekarun ku, da fatan za a ziyarci gidan yanar gizon hukuma na Manufofin Magungunan Lafiya na Mutum ɗaya. nan.
Shin kai da iyalinka an rufe ku a ƙarƙashin kowane tsare-tsaren inshorar lafiya mai ƙarancin kuɗi da aka ambata a nan?
Ku sanar da mu yadda shirin ya amfane ku.
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