Through our online platform we can offer policies from all insurers in motor, travel, health, life and personal accident (PA)
Health Insurance is a Mediclaim plan that takes care of the policy-holder's healthcare expenses in case he/she gets hospitalized due to an illness or an accident. These policies cover the policyholder for a defined time period and up to a predetermined limit known as the 'sum assured'. These policies need to be renewed regularly to continue enjoying the benefits
Individual health insurance plans cover a single individual.
Family floater health insurance plans which cover the entire family under the plan. A family consists of the policyholder, spouse, dependent children. One plan covers the entire family on a floater basis. The sum insured is shared by the family members. Any member can make a claim up to the sum insured.
Critical illness health insurance plans which cover major critical illnesses. If the insured is diagnosed with any covered illness, the sum insured is paid. The policyholder can use the sum insured to meet the cost of advanced treatments or pay for any other financial obligations
Top-up health insurance plans which provide supplemental coverage at minimal rates of premiums. If individuals feel that their coverage is low in their current running policy, they can buy top-up plans to increase the coverage. There is a deductible limit under these plans. Any claim which is in excess of the deductible limit is paid.
Super top-up health insurance plans which are also called aggregate health plans. These also help to enhance the sum insured at affordable premium rates. Super top-up plans are like top-up plans. They also have a deductible limit and claims exceeding the limit are only paid. However, while top-up plans consider each instance of claim separately, super top-up plans aggregate the total claims made in a policy year and then apply them against the deductible limit. If the aggregate claims exceed the deductible, the claim is paid
Senior citizen health insurance plans which are meant to cover individuals in their older ages. Individuals who are 61 years and above can be covered under senior citizen health insurance plans. The sum insured under these plans are limited and premiums are affordable.
We at Futurefin Services would help you to choose suitable health insurance policy depending on your specific needs. There are a few important factors that one must look at while choosing a health insurance plan.
1. Payout mechanism - Whether payout happens on diagnosis, or on actual hospitalization
2. Claim Process - Claim process should be simple, fast and efficient involving minimum discomfort to policyholder/family
3. Waiting Period - The best plans will have minimal waiting period before you can claim for a pre-existing cover
4. Adequate cover - With health costs on the rise, the best health plans will give maximum cover at an affordable cost
5. Pre/post hospitalization benefit – most of the health plans have limits related for pre and post hospitalization expenses and so you must be aware of time period before buying.
6. Comprehensive cover – the best health Insurance plans will have no capping on room rent and all the additional expenses are paid towards consumables such as gloves, syringe, surgical items etc.
We Futurefin Services is in association with leading life insurance, general insurance and standalone health insurance companies to bring you the best insurance products available in the market. Also we have partnered with the leading online platform in which our customers can compare, choose and buy online policies as per customers choice and requirements.
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Motor insurance is an insurance policy that covers the policyholder in case of financial losses – resulting from an accident or other damages – sustained by the insured vehicle. A comprehensive motor insurance policy covers damages to third-party and third-party property along with compensating for own losses as well.
Motor insurance can be availed in three forms
As the name goes, single trip international insurance is apt for all those who wish to travel just once to a particular overseas destination. Just like you wish to go on a solo backpacking to Georgia or Bahamas or a business conference at U.S.A this travel insurance is best for you. If you are a group of friends or family going for a vacation then this suits the best. HDFC ERGO offers comprehensive benefits, like offering medical cover when you fall sick or face an accidental injury.
Top 10 Best General Insurance Companies in India
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