Nyika yachinja muna 2020 maererano nehutano, kusadzivirirwa, uye kuchengetedza. Uye tinoyeuchidzwa zvakare nezvekukosha kweinishuwarenzi yehutano.
Kana zvasvika kune inishuwarenzi, chikamu chakanaka chevanhu muIndia vane inishuwarenzi yehupenyu. Chikonzero nei inishuwarenzi yehupenyu ichitengeswa zvimwe imhaka yekuti tinoda kufunga nezverumwe rudzi rwekuzorodzwa kumhuri muchiitiko chekufa kwedu kusingatarisirwi.
Inishuwarenzi yehupenyu inoshandawo sechinhu. Mushure menguva yakatarwa, tinodzosera mari yekutanga pamwe nemaprimiyamu ese akabhadharwa pamwe chete nemubereko.
Nekudaro, zvakafanana hazvishande kune inishuwarenzi yehutano. Inishuwarenzi yehutano inokupa iwe kana kukuchengetedza kubva kumitengo yakakonzerwa nezvinetso zvehutano zvinoda kuti upinzwe muchipatara kana imwe nzvimbo yekurapa yakafanana. Chirongwa cheinishuwarenzi yehutano hachidzosere mari yayakatora semari yekutanga uye huwandu hweprimiyamu.
Gara uchiyeuka, inishuwarenzi yehutano imari zvakare. Iwe unogara uchiwana kubviswa kwemutero kusvika kuRS. 25000 premium.
Kunyika zhinji dzichiri kusimukira, kana nyika dzine mutsauko mukuru pamari inotambirwa nemunhu, inishuwarenzi yehutano chinhu cheumbozha. Kanganwa varombo - vanhu vazhinji vepakati uye vepakati-vepakati vanhu havana inishuwarenzi yehutano pano.
Indian Women uye Health Inishuwarenzi
Vakadzi vanotambura zvakanyanya kupfuura varume kana zvasvika pakutenga inishuwarenzi yehutano. Mukuona kwangu kwomunhu oga, ndakafunga nezveinishuwarenzi youtano apo ndaiva nomwana wangu. I wanted to be insured against probable threats to my life nekuti ndaida kuvapo kuti ndione mwana wangu achikura.
Kunyange izvo zvingaita sezvisina udyire & zvaamai kune vanhu vazhinji, ndinogona kukuudza kuti ipfungwa yehupenzi kufunga kuti inishuwarenzi yehutano haisi yako kusvikira wava nebasa rinorema pamapfudzi ako, senge rekuchengeta vana vako kana vakwegura. vabereki.
Zvinoshamisawo kuti tinofunga sei nezveinishuwarenzi yehupenyu kubatsira mhuri dzedu mushure mekubva kwedu patinokwanisa, panzvimbo pezvo, kuchengetedza hutano hwedu zvirinani. Vanhu vazhinji vasina inishuwarenzi vanofa nguva isati yakwana muzvipatara nekuda kwekunetsekana kwekubhadhara mabhiri echipatara.
Saka inishuwarenzi yehutano inounzawo pfungwa yekuzorora. Kuziva kuti une inishuwarenzi iri nani pamitengo inotakurwa nechirwere kunosimbisa uye kunonyaradza.
Asi zvese zvakataurwa, mutengo wekuva neinishuwarenzi yehutano zvinhu. Nekukwira kwemitengo, munhu watinowanzoregeredza ndisu pachedu. Izvi zvinoita kuti vazhinji vedu tirase zvachose pfungwa yeinishuwarenzi yehutano.
Nechemumoyo, masangano mazhinji ehurumende muIndia ane vashandi vavo nemhuri yavo yepedyo yakavharwa pasi pezvirongwa zveinishuwarenzi yehutano. Mazhinji emabhizinesi ane ega ega anopawo hutano inishuwarenzi kune vashandi vavo nemhuri yavo yepedyo (vabereki, mwana, mukadzi).
Zvisinei, nhamba yevanhu vasina inishuwarenzi youtano inodarika nhamba yevanhu vanayo. Iyi posvo yakanangana nevaya vakawanda vanokwanisa kutenga inishuwarenzi yehutano asi havasati nekuda kwezvikonzero zvakawanda, kusanganisira mutengo.
Pfungwa dzekufunga kana uchitenga Health Insurance
Tisati taenda kuinishuwarenzi yehutano yakaderera gumi neshanu inowanikwa muIndia, ngatikurumidze kutarisa mapoinzi atinoda kuchengeta mupfungwa patinenge tichisarudza inishuwarenzi yehutano:
- Ndiani watiri kutenga - isu kana mhuri.
- Mari yeprimiyamu uye kuvharwa kunopihwa zvakafanana.
- Nguva yekumirira kureva nguva iyo mabhenefiti ese einishuwarenzi anovhurwa. Izvi zvakanyanya kutariswa kana uchitenga inishuwarenzi yehutano kune vakuru vemhuri.
- Kutarisa kuti chii chakavharwa uye chii chisiri.
- Kana mabhenefiti eCashless kurapwa achipihwa.
- Kana chirongwa ichi chinovhara pre-chipatara uye post-chipatara mabhenefiti, kunyanya kana uchitengera vakuru.
- Kuvhara kwedomiciliary kana kumba-kurapa.
- Kana mari yekuzvara uye yevachangozvarwa ine chekuita nehutano inobhadharwa.
Isu tinokuunzirai zvirongwa gumi neshanu zveHutano Inishuwarenzi yepasi-pasi iyo isingaputsi (murume) gomba mumari yako. Aya mainishuwarenzi ane mutengo-anoshamwaridzika asi anobatsira kusvika pamwero wakakura kune zvakanyanya-akanyanya-nyaya yekuchipatara mamiriro.
1. HDFC ERGO Health Optima Restore Plan
HDFC, rimwe remasangano anotungamira emari muIndia akabatana nekambani yeinishuwarenzi yeGerman ERGO kupa mabasa einishuwarenzi muIndia. Iyo kambani ine akati wandei-inodhura-inodhura zvirongwa zveinishuwarenzi, uye Health Optima Restore ndiyo ine mukurumbira.
Sezviri pawebhusaiti yavo yepamutemo, iyo premium yemunhu ari pasi pemakore makumi mana ye40 lakh yekuvhara ichave iri maRs. 5 - Rs. 5000 pagore. Kune akati wandei mabhenefiti akafukidzwa seyemahara kuvandudzwa kwehutano kuongororwa, kuvharwa kwehutano hwepfungwa uye AYUSH (mamwe marapirwo eAyurveda, Unaani, Siddha uye Homeopathy) kufukidzwa. Izvi zvinoita kuti Health Optima Kudzoreredza imwe yeinishuwarenzi yehutano inodhura yakaderera muIndia.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : 3 lakh - 50 lakh
Network of Hospitals : 10,000 +
Nguva yekumirira : 3 Years
Zera Rakavharwa Makore mana kusvika makore gumi
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeHDFC ERGO Hutano Optima Restore Chirongwa. pano .
2. HDFC ERGO My:Health Suraksha
Imwe homwe-inoshamwaridzika inopa kubva kuHDFC ERGO hutano inishuwarenzi masevhisi ndeyekuti Yangu: Health Suraksha chirongwa. Ichi chirongwa chinopa mari yemutero yekuchengetedza, kurapwa kwedomiciliary, uye daycare hospitalizations. Chirongwa ichi chinopawo bhonasi kune yega yega-yemahara yekuvandudza.
Iyo Yangu:Hutano Suraksha chirongwa chinovharawo nhengo dzevanopa mari. Kuenzaniswa nemabhenefiti anopihwa, chirongwa ichi chinokwanisika uye chine bhajeti.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : 3 lakh - 50 lakh
Network of Hospitals : 10,000 +
Nguva yekumirira : Inosiyana, mazuva mashoma makumi matatu
Zera Rakavharwa 18 + Makore
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye kuverenga mubhadharo unoenderana nezera rako, ndapota shanyira webhusaiti yepamutemo yeHDFC ERGO Yangu:Health Suraksha pano.
3. Care Health Inishuwarenzi (yaimbozivikanwa seReligare)
Care Health inishuwarenzi, iyo vazhinji vedu tinoziva zviri nani seReligare, izita rinozivikanwa kana zvasvika kune inishuwarenzi. Iyo Care Health Inishuwarenzi chirongwa chinopa akawanda mabhenefiti uye inovhara network yezvinopfuura 11000 zvipatara. Izvi zvinoita kuti ive imwe yeanonyanya kukurudzirwa zvirongwa zveinishuwarenzi muchikamu cheinishuwarenzi yehutano yakaderera.
Zvimwe zvezvinhu zvinozivikanwa zveCare Health Inishuwarenzi chirongwa kuvharwa kweamburenzi, hapana mabhonasi ekuti, pre and post hospitalization coverage uye organ donor cost coverage.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : 4 lakhs - 6 crores
Network of Hospitals : 11,000 +
Nguva yekumirira : Inosiyana, mazuva mashoma makumi matatu
Zera Rakavharwa 3 months zvichienda mberi
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeCare Health Insurance. pano.
4. Aditya Birla Active Vimbisa Diamond Chirongwa
Chimwe chezvinhu zvinokatyamadza zveActive Assure Diamond Plan kubva kuboka reAditya Birla ndeyekuvhara kwavo ambulensi yemumhepo.
Ichi chirongwa chinouya zvakare chakaremerwa nezvakawanda zvezvinhu zvinogona kuuya zvakashanda munguva dzanhasi dzinonetsa senge yekuwedzera kufukidzwa kwekurapwa kwegomarara, kuvharwa kwehutano kudzidzisa uye kurapwa kweAYUSH. Webhusaiti yavo ndeye mushandisi-inoshamwaridzika uye vane inoshingairira mutengi rutsigiro kuti vatore mibvunzo yevatengi.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : 2 lakhs - 2 crore
Network of Hospitals : 6000 +
Nguva yekumirira : 2 makore
Zera Rakavharwa 5 makore zvichienda mberi
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeAditya Birla Active Assure Diamond Plan. pano.
5. Max Bupa Health Companion
Iyi Max Bupa Health Companion chirongwa chekutanga chinotanga kubva kuRs. 5085 pagore sekushambadzwa pawebhusaiti yavo. Izvi zvakachipa zvakanyanya uchiona mabhenefiti aanopa. Mabhenefiti anosanganisira amburenzi yekukurumidzira, kurapwa kwemasikati, kuvharwa kwekurapa kweAYUSH, mari yekufambisa nhengo uye kufukidzwa kwedomiciliary.
Hurongwa hweHealth Companion hunogona kupedzwa zvakachengeteka sechirongwa cheinishuwarenzi yehutano inokurudzirwa muboka reinishuwarenzi yehutano yakaderera.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : Kusvika ku1 Crore
Network of Hospitals : 4500 +
Nguva yekumirira : 2 Years
Zera Rakavharwa 3 months zvichienda mberi
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeMax Bupa Health Companion Individual. pano.
6. Manipal Cigna Prohealth Plus
Iyo Manipal Cigna Prohealth Plus chirongwa chinodhura chemhuri chinobhururuka. Inobata maternity, vachangozvarwa uye vaccination coverage. Pamari yekutanga yeRs. 15,307 (sezviri pawebhusaiti yavo), iwe uchawana kufukidzwa kunosvika Rs. 50 lakhs.
Kunze kwekuvharirwa kwemadzimai, Manipal Cigna Prohelth Plus inowedzerawo rubatsiro rwe ambulensi yemhepo. Chirongwa ichi chinopawo kuongororwa kwekurapa uye zvirongwa zvehutano.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : Rs. 2.5 lakhs - 2 crores
Network of Hospitals : 6500 +
Nguva yekumirira : 3 mwedzi
Zera Rakavharwa 3 months zvichienda mberi
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeManipal Cigna Prohealth Plus. pano.
7. Royal Sundaram Lifeline Supreme Plan
Iyo Royal Sundaram Lifeline Supreme mhuri inotenderera chirongwa inovhara gumi nepfumbamwe hukama hwakasiyana mukati meiyo imwechete mutemo. Inopa zvakare kuvharwa kwemari yekuzvara. Kune zvakare mari yekudya kune amai vatsva. Pachirongwa cheMunhu, hapana chepamusoro parendi yekamuri. Vaccination yekurumwa kwemhuka yakafukidzwa muurongwa hwega - chinhu chakanaka kune vanhu vane mhuka dzepamba pamba.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : 5 lakh - 50 lakh
Network of Hospitals : 5000 +
Nguva yekumirira : 2 makore
Zera Rakavharwa 18 makore zvichienda mberi
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeRoyal Sundaram Lifeline Supreme Plan. pano.
8. Star Family Health Optima Insurance Plan
Star Inishuwarenzi ndeimwe yepamusoro 3 vanopa inishuwarenzi muIndia. Stat Inishuwarenzi inozivikanwa nekukasira kudzorera. Mupi weinishuwarenzi ane network yakakura yezvipatara pasi pemapapiro ayo, uye mamwe mabhenefiti akavharwa.
Zvimwe zvezvikomborero izvi zvinobatsirwa kurapwa kubereka, nguva yenyasha yemwedzi mina yekuvandudzwa, uye kuvharirwa kwevana vachangoberekwa.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : 1 lakh - 25 lakhs
Network of Hospitals : 9900 +
Nguva yekumirira : 4 makore
Zera Rakavharwa 18 makore zvichienda mberi
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeStar Family Health Optima Inishuwarenzi Plan. pano.
9. Bharati AXA Smart Health Assure Plan
Bharati AXA Smart Health Assure Plan yakanakira vakaroorana vari kuronga kuwedzera mhuri dzavo. Inobhadhara mari yekusununguka uye mari yevana vachangoberekwa kwemwedzi mitatu yekutanga.
Bharati AXA ine zvinopfuura makumi mapfumbamwe nesere muzana erekodhi rekodhi rekodhi, maererano newebhusaiti yavo. Iyo Smart Health Assure Plan chirongwa cheinishuwarenzi chakakodzera chevanhu uye mhuri dziri kutsvaga inishuwarenzi yehutano yakaderera.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : 3 lakh - 4 lakh
Network of Hospitals : 4500 +
Nguva yekumirira : 2 makore
Zera Rakavharwa Mwedzi 3 kusvika pamakore maviri
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeBharati AXA Smart Health Assure. pano.
10. IFFCO Tokio Health Protector Policy
IFFCO Tokio inopa kuvharwa kwemhuri kwevakuru vaviri uye mwana 2 pamutengo usingasviki maRs. 1 pagore kusvika ku10,000 lakhs. Izvi zvakachipa sezvazvinogona kuwana kumhuri yenyukireya.
Iyo Health Protector Policy ine cashless kurapwa mabhenefiti uye inopa covid-kurapa mabhenefiti. Kuongororwa kwekurapa hakudiwi kune vanhu vanosvika makore makumi matanhatu.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : Rs. 50 zviuru - 25 lakhs
Network of Hospitals : 5000 +
Nguva yekumirira : 4 makore
Zera Rakavharwa 18 makore - 65 makore
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeIFFCO Tokio Health Protector Policy. pano.
11. Digit Health Insurance Plan
Iyo Digit Health Inishuwarenzi Kambani inopinda mutsva muchikamu cheInishuwarenzi. Vane webhusaiti inoshamisa iyo inotsanangura zvakajeka kudiwa kweinishuwarenzi yehutano. Zvirongwa zveinishuwarenzi zvinoita kunge zvakavakwa zvichichengeta zvinodiwa zvemireniyumu neGen Z mupfungwa.
Iyo Health Inishuwarenzi inoronga kubva kuDigit inovhara zvirwere zvepfungwa. Vanobhadhara zvakare mari yekuzvara uye yevachangozvarwa. Chikamu chavo che "Zvisina Kuvharwa" idiki zvinoshamisa, uye kune pfungwa.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : 2 lakh - 25 lakh
Network of Hospitals : 5900 +
Nguva yekumirira : 2 makore
Zera Rakavharwa 1 gore kusvika kumakore mashanu
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira yepamutemo webhusaiti Digit Health Insurance Plan. pano.
12. National Parivar Mediclaim Plus Policy
Kambani yeNational Inishuwarenzi ndiyo inotungamira muinishuwarenzi inopa masevhisi eIndia. Yave iri mubazi reinishuwarenzi kubvira 1906.
Iyo National Parivar Mediclaim Plus mutemo yanga iri imwe yezvakatengwa zvakanyanya kutenderera mhuri zvirongwa muIndia. Webhusaiti yavo inotsanangura zvakajeka izvo zvakafukidzwa uye kusvika kuhuwandu kana huwandu hwemazuva. Iyo Parivar Mediclaim Policy zvakare ine Ronga sarudzo dzekusarudza kubva maererano nezvinodiwa nemhuri.
Type yeInishuwarenzi : mhuri
Sum Insured : 6 lakh - 50 lakh
Network of Hospitals : 6000 +
Nguva yekumirira : 2 makore
Zera Rakavharwa Makore mana kusvika makore gumi
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeNational Parivar Mediclaim Plus Policy. pano.
13. Ramangwana Generali Ramangwana Hutano Suraksha Chirongwa
Iyo Ramangwana Generali Remangwana Hutano Suraksha Chirongwa inshuwarisi yehutano ine mari yakaderera yemhuri. Iyo Health Suraksha Plan inouya ne 4 sarudzo dzekusarudza kubva - Goridhe, Platinum, Topaz uye Ruby.
Iyo webhusaiti inotsanangura sarudzo yega yega chirongwa, uye inoita kuti zvive nyore kunzwisisa zvakafukidzwa uye kwete. Inopawo kuongororwa kwehutano kwemahara uye mazuva makumi matatu enguva dzenyasha dzekuvandudzwa.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : Rs. 50,000 - 10 lakhs
Network of Hospitals : 5000 +
Nguva yekumirira : 2 makore
Zera Rakavharwa 18 makore - 65 makore
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti ye Future Generali Future Health Suraksha Plan. pano.
14. Bajaj Allianz Health Guard Chirongwa
Bajaj izita rinovimbwa muIndia, uye zvirongwa zvavo zveinishuwarenzi zvehutano zvinokwanisika uye zvinosvika kune munhuwo zvake.
Urongwa uhu hunobata zvirwere zvepfungwa, kuongororwa kwehutano uye hunobvumira hukama hwakawanda kuti hufukidzwe mumutemo wemhuri. Kune zvakare zvidzikiso zvinopihwa pamakore-ashoma, kusvika ku12.5 % yehuwandu hwepolicy.
Type yeInishuwarenzi : Individual | Mhuri
Sum Insured : 1.5 lakh - 50 lakh
Network of Hospitals : 6500 +
Nguva yekumirira : 3 makore
Zera Rakavharwa 18 makore - 65 makore
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeBajaj Allianz Health Guard Plan. pano.
15. Oriental Health Individual Mediclaim Policy
Oriental Health Individual Mediclaim Policy inzira yekurapa yakanakira vechidiki, vasina kuroora. Iyo kambani ine timu yakazvipira kugadzirisa zvichemo uye ine network yezvinopfuura 4300 zvipatara pasi payo.
Kunyangwe yakanangwa kune vanhu, mutemo unopa mhuri kudzikiswa. Inopawo nguva yenyasha uye yakavimbiswa kuvandudzwa kwepolicy kwehupenyu. Ichi chaicho chirongwa chekutarisa kana iwe uchitsvaga yakaderera-inotambira hutano inishuwarenzi zvirongwa.
Type yeInishuwarenzi : Individual
Sum Insured : 1 lakh - 10 lakhs
Network of Hospitals : 4300 +
Nguva yekumirira : 4 makore
Zera Rakavharwa Makore mana kusvika makore gumi
Covid 19 Yakavharwa: Ehe
Kuti uwane rumwe ruzivo, uye yekuverenga premium inokodzera zera rako, ndapota shanyira iyo yepamutemo webhusaiti yeOriental Health Individual Mediclaim Policy. pano.
Iwe nemhuri yako makafukidzwa pasi pechero mari shoma yeinishuwarenzi yehutano zvirongwa zvinotaurwa pano?
Tizivise kuti chirongwa chakakubatsira sei.
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