Dziko lasintha mu 2020 pankhani ya thanzi, chitetezo chokwanira, komanso kukhala otetezeka. Ndipo tikukumbutsidwanso za kufunika kwa inshuwalansi ya umoyo.
Zikafika ku inshuwaransi, anthu ambiri ku India ali ndi inshuwaransi ya moyo. Chifukwa chomwe inshuwaransi ya moyo imagulitsidwa mwina ndi chifukwa tikufuna kuganizira za mpumulo wina kubanja pakafa mwadzidzidzi.
Inshuwaransi ya moyo imagwiranso ntchito ngati chuma. Pambuyo pa nthawi yoikika, timabweza ndalama zonse zomwe talipira pamodzi ndi chiwongola dzanja.
Komabe, zomwezo sizikugwiranso ntchito ku inshuwaransi yazaumoyo. Inshuwaransi yazaumoyo imakutetezani kapena kukutetezani ku ndalama zomwe zingabwere chifukwa cha zovuta zokhudzana ndi thanzi zomwe zimafunikira kuti mulandiridwe kuchipatala kapena kuchipatala chofananira. Dongosolo la inshuwaransi yazaumoyo silipereka ndalama zomwe zidatenga ngati ndalama zoyambira komanso ndalama zolipirira.
Nthawi zonse kumbukirani, inshuwaransi yazaumoyo imakhalanso ndalama. Nthawi zonse mumapeza ndalama zochotsera msonkho mpaka RS. 25000 premium.
M'mayiko ambiri omwe akutukuka kumene, kapena mayiko omwe ali ndi kusiyana kwakukulu kwa ndalama zomwe munthu amapeza, inshuwalansi ya umoyo ndi yabwino. Iwalani osauka - anthu ambiri apakati komanso apamwamba sakhala ndi inshuwaransi yazaumoyo pano.
Indian Women and Health Insurance
Azimayi amavutika kwambiri kuposa amuna pankhani yogula inshuwaransi yazaumoyo. Kuchokera pamalingaliro aumwini, ndinalingalira za inshuwalansi ya umoyo kokha pamene ndinali ndi mwana wanga. Ndinkafuna kuti ndikhale ndi inshuwaransi yolimbana ndi zoopsa zomwe zingachitike pamoyo wanga chifukwa ndimafuna kukhalapo kuti ndiwone mwana wanga akukula.
Ngakhale izi zitha kumveka ngati zopanda dyera & za amayi kwa anthu ambiri, ndikuuzeni kuti ndi lingaliro lopusa kuganiza kuti inshuwaransi yazaumoyo si yanu mpaka mutakhala ndi udindo waukulu pamapewa anu, monga kusamalira ana anu kapena okalamba. makolo.
Ndizodabwitsanso momwe timaganizira za inshuwaransi ya moyo kuthandiza mabanja athu tikachoka pomwe tingathe, m'malo mwake, kuteteza thanzi lathu bwino. Anthu ambiri opanda inshuwaransi amamwalira msanga m'zipatala chifukwa cha nkhawa yolipira zipatala.
Chifukwa chake inshuwaransi yaumoyo imabweretsanso mpumulo. Kudziwa kuti muli ndi inshuwaransi yabwino yolimbana ndi zovuta zobwera chifukwa cha matenda ndizolimbikitsa komanso zotonthoza.
Koma zonse zanenedwa, mtengo wokhala ndi inshuwaransi yazaumoyo. Chifukwa cha kukwera kwa ndalama, munthu amene timamunyalanyaza nthawi zambiri ndi ife eni. Izi zimapangitsa ambiri aife kutaya kwathunthu lingaliro la inshuwaransi yazaumoyo.
Mwamwayi, mabungwe ambiri aboma ku India ali ndi antchito awo komanso mabanja awo omwe ali ndi inshuwaransi yazaumoyo. Mabizinesi ambiri omwe ali ndi anthu wamba amaperekanso inshuwaransi yaumoyo kwa antchito awo ndi mabanja awo (makolo, mwana, mkazi).
Komabe, chiŵerengero cha anthu amene alibe inshuwalansi ya umoyo n’choposa anthu amene ali ndi inshuwalansi. Cholemberachi chimayang'ana anthu ambiri omwe angakwanitse kugula inshuwaransi yazaumoyo koma sanapezebe chifukwa cha zifukwa zambiri, kuphatikiza mtengo.
Mfundo Zofunika Kuziganizira Pogula Inshuwaransi Yaumoyo
Tisanapitirire ku inshuwaransi yapamwamba ya 15 yotsika mtengo yomwe ikupezeka ku India, tiyeni tiwone mwachangu mfundo zomwe tiyenera kukumbukira posankha inshuwaransi yazaumoyo :
- Amene tikugulira - tokha kapena banja.
- Mtengo wa premium ndi chithandizo choperekedwa chimodzimodzi.
- Nthawi yodikira mwachitsanzo, nthawi yomwe mapindu onse a inshuwaransi amatsegulidwa. Izi ndizofunikira kwambiri kuziganizira pogula inshuwaransi yazaumoyo kwa akuluakulu am'banjamo.
- Kuyang'ana zomwe zidaphimbidwa ndi zomwe sizili.
- Kaya phindu la chithandizo cha Cashless likuperekedwa.
- Ngati ndondomekoyi ikukhudzana ndi chithandizo chachipatala chisanadze komanso pambuyo pa chipatala, makamaka pogula akuluakulu.
- Kufunika kwa chithandizo chanyumba kapena kunyumba.
- Kaya ndalama za amayi oyembekezera ndi obadwa kumene zokhudzana ndi thanzi zimaperekedwa.
Tsopano tikubweretserani mapulani 15 a inshuwaransi yazaumoyo omwe amapeza ndalama zochepa zomwe sizikusokoneza (mwamuna) m'ndalama zanu. Inshuwaransi iyi ndiyotsika mtengo koma yothandiza kwambiri pazovuta kwambiri zachipatala.
1. HDFC ERGO Health Optima Restore Plan
HDFC, imodzi mwamabungwe otsogola azachuma ku India yagwirizana ndi kampani ya inshuwaransi yaku Germany ERGO kuti ipereke inshuwaransi ku India. Kampaniyo ili ndi mapulani angapo a inshuwaransi otsika mtengo, ndipo Health Optima Restore ndi imodzi yomwe ili yotchuka kwambiri.
Malinga ndi tsamba lawo lovomerezeka, ndalama zolipirira munthu wazaka zosakwana 40 pa kuphimba 5 lakh zidzakhala pafupifupi Rs. 5000 - Rs. 8000 pachaka. Pali maubwino angapo omwe aphimbidwa monga kuyezetsa kwaumoyo kukonzanso kwaulere, chithandizo chamankhwala amisala ndi AYUSH (mankhwala ena a Ayurveda, Unaani, Siddha ndi Homeopathy). Izi zimapangitsa Health Optima Restore imodzi mwa inshuwaransi yazaumoyo yotsika mtengo kwambiri ku India.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : 3 lakh - 50 lakh
Network of Hospitals : 10,000 +
Nthawi Yodikira : 3 Zaka
Zaka Zofunika: Zaka 5 kwa zaka 65
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la HDFC ERGO Health Optima Restore Plan. Pano .
2. HDFC ERGO My: Health Suraksha
Chopereka china chothandizira mthumba kuchokera ku HDFC ERGO inshuwaransi yazaumoyo ndikuti My: Health Suraksha plan. Dongosololi limapereka ndalama zopulumutsira msonkho, chithandizo chanyumba, komanso zipatala zamasana. Dongosololi limaperekanso bonasi pakukonzanso kulikonse kwaulere.
Dongosolo Langa: Health Suraksha limakhudzanso ndalama zoperekera ziwalo. Poyerekeza ndi zabwino zomwe zimaperekedwa, dongosololi ndi lotsika mtengo komanso logwirizana ndi bajeti.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : 3 lakh - 50 lakh
Network of Hospitals : 10,000 +
Nthawi Yodikira : Zimasiyanasiyana, osachepera masiku 30
Zaka Zofunika: Zaka za 18 +
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la HDFC ERGO My:Health Suraksha Pano.
3. Inshuwaransi ya Zaumoyo (yomwe poyamba inkadziwika kuti Religare)
Inshuwaransi ya Care Health, yomwe ambiri aife timaidziwa bwino monga Religare, ndi dzina lodziwika bwino pankhani ya inshuwaransi. Dongosolo la Care Health Insurance limapereka maubwino ambiri ndipo limakhudza maukonde a zipatala zopitilira 11000. Izi zimapangitsa kukhala imodzi mwamapulani a inshuwaransi omwe amalimbikitsidwa kwambiri m'gulu la inshuwaransi yazaumoyo opeza ndalama zochepa.
Zina mwazinthu zodziwika bwino za dongosolo la Care Health Insurance ndi kuphimba ma ambulansi, palibe mabonasi ofunsira, chithandizo chachipatala chisanachitike komanso pambuyo pake komanso ndalama zoperekedwa ndi opereka ziwalo.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : 4 lakhs - 6 crores
Network of Hospitals : 11,000 +
Nthawi Yodikira : Zimasiyanasiyana, osachepera masiku 30
Zaka Zofunika: 3 miyezi patsogolo
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la Care Health Insurance. Pano.
4. Aditya Birla Active Assure Diamond Plan
Chimodzi mwazinthu zochititsa chidwi za Activ Assure Diamond Plan kuchokera ku gulu la Aditya Birla ndikuphimba kwawo ambulansi yamlengalenga.
Dongosololi limabweranso ndi zinthu zambiri zomwe zitha kukhala zothandiza m'masiku ovuta ano monga chithandizo chowonjezera chachipatala cha khansa, chithandizo chamankhwala ndi chithandizo cha AYUSH. Tsamba lawo ndi losavuta kugwiritsa ntchito ndipo ali ndi chithandizo chamakasitomala kuti ayankhe mafunso a kasitomala.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : 2 lakhs - 2 crore
Network of Hospitals : 6000 +
Nthawi Yodikira : zaka 2
Zaka Zofunika: 5 zaka patsogolo
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la Aditya Birla Activ Assure Diamond Plan. Pano.
5. Max Bupa Health Companion
Malipiro awa a Max Bupa Health Companion amayambira pa Rs. 5085 pachaka monga amalengezedwa patsamba lawo. Izi ndizotsika mtengo powona zabwino zomwe zimapereka. Ubwinowu ukuphatikiza ambulansi yadzidzidzi, chithandizo chamankhwala masana, chithandizo chamankhwala cha AYUSH, ndalama zogulira ziwalo komanso kubweza kunyumba.
Dongosolo la Health Companion litha kumalizidwa bwino ngati ndondomeko yovomerezeka ya inshuwaransi yazaumoyo m'gulu la inshuwaransi yandalama zotsika.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : Mpaka 1 Crore
Network of Hospitals : 4500 +
Nthawi Yodikira : 2 Zaka
Zaka Zofunika: 3 miyezi patsogolo
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la Max Bupa Health Companion Individual Pano.
6. Manipal Cigna Prohealth Plus
Manipal Cigna Prohealth Plus ndi dongosolo lotsika mtengo la banja. Zimakhudza amayi, obadwa kumene komanso katemera. Kwa mtengo wapamwamba wa Rs. 15,307 (monga patsamba lawo), mupeza ndalama zofika mpaka Rs. 50 lakh.
Kupatula chithandizo cha amayi, Manipal Cigna Prohelth Plus imakulitsanso phindu la ambulansi yamlengalenga. Dongosololi limaperekanso zoyezetsa zamankhwala komanso mapulogalamu aumoyo.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : Rs. 2.5 lakhs - 2 crores
Network of Hospitals : 6500 +
Nthawi Yodikira : miyezi 3
Zaka Zofunika: 3 miyezi patsogolo
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuti muwerenge ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la Manipal Cigna Prohealth Plus Pano.
7. Royal Sundaram Lifeline Supreme Plan
Dongosolo la Royal Sundaram Lifeline Supreme Family Floter limakhudza maubale 19 osiyanasiyana mu mfundo zomwezo. Zimaperekanso ndalama zothandizira amayi oyembekezera. Palinso chakudya chopatsa mayi woyembekezera. Pamapulani a Munthu Payekha, palibe chotchinga chapamwamba pa renti yazipinda. Katemera wa kulumidwa ndi nyama akuphatikizidwa mu ndondomeko yaumwini - chinthu chabwino kwa anthu omwe ali ndi ziweto kunyumba.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : 5 lakh - 50 lakh
Network of Hospitals : 5000 +
Nthawi Yodikira : zaka 2
Zaka Zofunika: 18 zaka patsogolo
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la Royal Sundaram Lifeline Supreme Plan. Pano.
8. Star Family Health Optima Insurance Plan
Star Inshuwalansi ndi amodzi mwa omwe amapereka inshuwaransi 3 ku India. Stat Inshuwalansi imadziwika ndi kubweza ndalama mwachangu. Wopereka inshuwaransi ali ndi netiweki yayikulu ya zipatala pansi pa mapiko ake, ndipo zopindulitsa zina zophimbidwa.
Zina mwa zopindulitsazi ndi chithandizo cha uchembere, nthawi yachisomo ya miyezi inayi kuti munthu athe kuyambiranso, komanso kutetezedwa kwa ana obadwa kumene.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : 1 lakh - 25 lakh
Network of Hospitals : 9900 +
Nthawi Yodikira : zaka 4
Zaka Zofunika: 18 zaka patsogolo
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la Star Family Health Optima Insurance Plan. Pano.
9. Bharati AXA Smart Health Assure Plan
Bharati AXA Smart Health Assure Plan ndi yabwino kwa maanja omwe akukonzekera kuwonjezera mabanja awo. Imalipira ndalama zolipirira amayi oyembekezera komanso zolipirira ana obadwa kumene kwa miyezi itatu yoyambirira.
Bharati AXA ili ndi mbiri yopitilira 98% yolipira, malinga ndi tsamba lawo. Smart Health Assure Plan ndi inshuwaransi yoyenera kwa anthu ndi mabanja omwe akufuna inshuwaransi yazaumoyo yopeza ndalama zochepa.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : 3 lakh - 4 lakh
Network of Hospitals : 4500 +
Nthawi Yodikira : zaka 2
Zaka Zofunika: Miyezi 3 mpaka zaka 65
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la Bharati AXA Smart Health Assure Pano.
10. IFFCO Tokio Health Protector Policy
IFFCO Tokio imapereka chithandizo chabanja cha akulu awiri ndi mwana m'modzi pamtengo wochepera ma Rs. 2 pachaka mpaka 1 lakhs. Izi ndi zotsika mtengo monga momwe zingathere ku banja la nyukiliya.
Health Protector Policy ili ndi maubwino ochizira opanda ndalama ndipo imapereka chithandizo chamankhwala a covid. Kuyeza zamankhwala sikofunikira kwa anthu opitilira zaka 60.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : Rs. 50 miliyoni - 25 lakhs
Network of Hospitals : 5000 +
Nthawi Yodikira : zaka 4
Zaka Zofunika: 18 zaka - 65 zaka
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la IFFCO Tokio Health Protector Policy Pano.
11. Digit Health Insurance Plan
Digit Health Insurance Company ndiwolowa kumene mu gawo la Inshuwaransi. Ali ndi tsamba lodabwitsa lomwe limafotokoza momveka bwino kufunika kwa inshuwaransi yazaumoyo. Mapulani a inshuwaransi akuwoneka kuti adamangidwa poganizira zosowa za zaka chikwi ndi Gen Z.
Mapulani a Health Insurance kuchokera ku Digit amaphimba matenda amisala. Amalipiranso ndalama zolipirira amayi oyembekezera komanso obadwa kumene. Gawo lawo la "Zomwe Sizinaphimbidwe" ndi laling'ono modabwitsa, komanso lolunjika.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : 2 lakh - 25 lakh
Network of Hospitals : 5900 +
Nthawi Yodikira : zaka 2
Zaka Zofunika: 1 chaka mpaka 60 zaka
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la Digit Health Insurance Plan Pano.
12. Ndondomeko ya National Parivar Mediclaim Plus
Kampani ya National Insurance ndi mtsogoleri wa inshuwaransi yopereka chithandizo ku India. Yakhala mu gawo la inshuwaransi kuyambira 1906.
Ndondomeko ya National Parivar Mediclaim Plus yakhala imodzi mwamapulani omwe amagulidwa kwambiri ku India. Webusaiti yawo imafotokoza momveka bwino zomwe zikufotokozedwa komanso kuchuluka kapena kuchuluka kwa masiku. Parivar Mediclaim Policy ilinso ndi mapulani omwe mungasankhe malinga ndi zomwe mabanja amafuna.
Mtundu wa Inshuwaransi: banja
Sum Insured : 6 lakh - 50 lakh
Network of Hospitals : 6000 +
Nthawi Yodikira : zaka 2
Zaka Zofunika: Zaka 18 kwa zaka 65
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la National Parivar Mediclaim Plus Policy. Pano.
13. Future Generali Future Health Suraksha Plan
Future Generali Future Health Suraksha Plan ndi inshuwaransi yazaumoyo yomwe amalandila ndalama zochepa kwa mabanja. Health Suraksha Plan imabwera ndi zosankha 4 zomwe mungasankhe - Golide, Platinamu, Topazi ndi Ruby.
Webusaitiyi imafotokoza za dongosolo lililonse, ndikupangitsa kuti zikhale zosavuta kumvetsetsa zomwe zikufotokozedwa osati. Imaperekanso kuyezetsa kwaulere kwaumoyo ndi masiku 30 anthawi yachisomo kuti mukonzenso.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : Rs. 50,000 - 10 lakhs
Network of Hospitals : 5000 +
Nthawi Yodikira : zaka 2
Zaka Zofunika: 18 zaka - 65 zaka
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la Future Generali Future Health Suraksha Plan Pano.
14. Bajaj Allianz Health Guard Plan
Bajaj ndi dzina lodalirika ku India, ndipo mapulani awo a inshuwaransi yazaumoyo nawonso ndi otsika mtengo komanso angathe kufikidwa ndi anthu wamba.
Dongosololi limakhudza matenda amisala, kuyezetsa thanzi komanso kulola maubale angapo kuti afotokozedwe m'malamulo abanja. Palinso kuchotsera komwe kumaperekedwa pazaka zocheperako, mpaka 12.5 % ya ndalamazo.
Mtundu wa Inshuwaransi: Munthu | Banja
Sum Insured : 1.5 lakh - 50 lakh
Network of Hospitals : 6500 +
Nthawi Yodikira : zaka 3
Zaka Zofunika: 18 zaka - 65 zaka
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la Bajaj Allianz Health Guard Plan. Pano.
15. Oriental Health Individual Mediclaim Policy
Oriental Health Individual Mediclaim Policy ndi ndondomeko yabwino kwa achinyamata, omwe sali pabanja. Kampaniyo ili ndi gulu lodzipereka kuti lithetsere milandu ndipo lili ndi zipatala zopitilira 4300 pansi pake.
Ngakhale amayang'ana anthu pawokha, lamuloli limapereka kuchotsera kwa mabanja. Limaperekanso nthawi yachisomo ndi kukonzanso kwadongosolo kwa moyo wonse. Ili ndi dongosolo loti muwone ngati mukuyang'ana mapulani a inshuwaransi yazaumoyo omwe amapeza ndalama zochepa.
Mtundu wa Inshuwaransi: munthu
Sum Insured : 1 lakh - 10 lakh
Network of Hospitals : 4300 +
Nthawi Yodikira : zaka 4
Zaka Zofunika: Zaka 18 kwa zaka 65
Covid 19 Yophimbidwa: inde
Kuti mumve zambiri, komanso kuwerengera ndalama zolipirira zaka zanu, chonde pitani patsamba lovomerezeka la Oriental Health Individual Mediclaim Policy. Pano.
Kodi inu ndi banja lanu muli ndi inshuwaransi yazaumoyo yotsika mtengo yomwe yatchulidwa apa?
Tiuzeni momwe dongosololi lakupindulirani.
Siyani Mumakonda