by chatepradip | Aug 19, 2023 | Health Insurance
How to Choose the Top 5 Health Insurance Companies in India: A Guide from PolicyGuruji Insurance
Introduction: Health insurance is a crucial investment that provides financial security during medical emergencies. With a myriad of options available, selecting the right health insurance company can be overwhelming. In this guide, we’ll explore the key factors to consider when choosing the top 5 health insurance companies in India, as recommended by PolicyGuruji Insurance.
1. Reputation and Credibility: Start by researching the reputation and credibility of the insurance companies. Look for their history, financial stability, and customer reviews. Companies with a strong track record of settling claims promptly and efficiently should be preferred.
2. Network Hospitals: Check the list of network hospitals tied up with the insurance company. A wider network ensures that you have access to quality healthcare facilities across various locations. PolicyGuruji Insurance suggests opting for companies with a comprehensive network of hospitals.
3. Coverage and Benefits: Evaluate the coverage and benefits offered by the health insurance policies. PolicyGuruji Insurance recommends assessing factors such as pre-existing conditions coverage, maternity benefits, critical illness coverage, and coverage for alternative treatments.
4. Customization Options: Every individual’s healthcare needs are unique. Look for insurance companies that offer customizable plans. PolicyGuruji Insurance suggests companies that allow you to tailor your policy to suit your specific requirements, ensuring you’re not paying for coverage you don’t need.
5. Claim Settlement Ratio: A high claim settlement ratio indicates the company’s willingness to honor claims. PolicyGuruji Insurance advises selecting companies with a consistent track record of settling claims promptly. This information can be obtained from the Insurance Regulatory and Development Authority of India (IRDAI) reports.
6. Premiums and Affordability: While affordability is important, it’s essential to strike a balance between premium costs and coverage. PolicyGuruji Insurance recommends comparing premium rates across companies offering similar coverage to find the best value for your money.
7. Customer Service: Responsive and efficient customer service is vital in the insurance industry. Choose companies that offer excellent customer support. PolicyGuruji Insurance suggests reading customer reviews to gauge the level of satisfaction with the company’s service.
8. Exclusions and Waiting Periods: Understand the policy’s exclusions and waiting periods. PolicyGuruji Insurance emphasizes reviewing these aspects to avoid surprises when making claims. Look for companies with transparent communication regarding these factors.
9. Additional Features: Some insurance companies offer additional features like wellness programs, discounts on health services, and telemedicine facilities. PolicyGuruji Insurance recommends considering these extras as they can enhance your overall healthcare experience.
10. Expert Advice: If you’re unsure about which health insurance company to choose, seek advice from insurance experts or use online platforms like PolicyGuruji Insurance, where you can compare different policies and get personalized recommendations.
Conclusion: Selecting the right health insurance company is a significant decision that requires thorough research and consideration. By following the guidelines provided by PolicyGuruji Insurance, you can confidently choose from the top 5 health insurance companies in India that align with your healthcare needs and financial goals. Remember, investing in a reliable health insurance policy is an investment in your well-being and peace of mind.
by chatepradip | Jul 24, 2023 | Health Insurance
Why Health Insurance is a Necessity in Today’s World
Introduction
In the fast-paced and unpredictable world we live in today, safeguarding one’s health has become more crucial than ever before. Health insurance is a vital tool that provides individuals and families with the financial protection they need to access quality healthcare services. This article delves into the importance of health insurance and why it is an absolute necessity in today’s society.
The Rising Costs of Healthcare
The cost of healthcare services has been on a constant rise, making it increasingly challenging for people to afford medical treatments and services without adequate financial backing. Hospitalization expenses, surgeries, and prolonged treatments can quickly deplete one’s savings, leading to financial strain. Health insurance acts as a shield against these exorbitant medical costs, ensuring that individuals and families can access necessary medical care without worrying about the financial burden.
Accessibility to Quality Healthcare
One of the primary benefits of health insurance is the access it provides to quality healthcare. With a comprehensive health insurance plan, individuals can seek medical attention from a network of reputable healthcare providers and hospitals. This allows them to receive timely treatment from skilled professionals, promoting better health outcomes and reducing the risk of complications.
Preventive Care and Wellness Programs
Health insurance not only covers medical treatments during illness or injury but also encourages preventive care. Many insurance plans offer wellness programs, such as regular health check-ups, vaccinations, and screenings, which help in detecting health issues at an early stage. By promoting preventive care, health insurance contributes to maintaining overall well-being and reducing the prevalence of chronic diseases.
Peace of Mind and Financial Security
In a world filled with uncertainties, having health insurance offers peace of mind and financial security. Knowing that one is protected from unexpected medical expenses provides individuals with the confidence to tackle life’s challenges without worrying about their health becoming a financial burden.
Employer-Sponsored Health Insurance
For many working individuals, employer-sponsored health insurance is a valuable benefit. It not only helps attract and retain talented employees but also ensures that the workforce remains healthy and productive. Employer-sponsored health insurance plans often offer comprehensive coverage, including medical, dental, and vision benefits, fostering a positive work environment.
Government Health Insurance Programs
In various countries, governments have implemented health insurance programs to provide affordable healthcare to citizens. These government initiatives aim to cover vulnerable populations who may not have access to private health insurance. Such programs play a vital role in promoting public health and reducing healthcare disparities.
Understanding Health Insurance Coverage
When selecting a health insurance plan, it is crucial to understand the different types of coverage available. Some plans may have specific limitations or exclusions, and it is essential to read and comprehend the policy details thoroughly. Understanding copayments, deductibles, and out-of-pocket expenses can help individuals make informed decisions about their health insurance coverage.
Balancing Health Insurance Costs
While health insurance is necessary, some individuals may be concerned about the associated costs. It is essential to strike a balance between the coverage offered and the premiums paid. Comparing different insurance providers and plans can help find a suitable option that fits individual needs and budgets.
The Role of Health Insurance in Financial Planning
Incorporating health insurance into financial planning is a wise decision. Health emergencies can strike at any time, and being prepared with insurance coverage ensures that one’s hard-earned savings remain protected. It is an investment in both present and future well-being.
Overcoming Barriers to Health Insurance Access
Despite the importance of health insurance, some barriers prevent people from obtaining coverage. These may include lack of awareness, affordability issues, or eligibility concerns. Governments, insurance companies, and advocacy groups must work together to address these barriers and make health insurance accessible to all.
The Impact of Health Insurance on Mental Health
Health insurance not only addresses physical health but also plays a significant role in mental health support. Many insurance plans offer coverage for mental health services, including therapy and counseling. This recognition of mental health importance helps reduce the stigma surrounding mental health issues and encourages seeking professional help when needed.
Navigating Health Insurance Options for Families
For families, health insurance decisions often involve considering the needs of multiple individuals. Finding a plan that adequately covers all family members and meets their unique healthcare requirements is crucial. Family-oriented health insurance plans can provide a comprehensive solution for all family members’ health needs.
Health Insurance for Self-Employed Individuals
Self-employed individuals often have to arrange health insurance independently, unlike those with employer-sponsored coverage. It is essential for freelancers and entrepreneurs to explore health insurance options tailored to their needs, ensuring they have access to medical care while maintaining their financial independence.
Conclusion
In conclusion, health insurance is an indispensable component of a well-rounded and secure life. Its significance lies not only in the financial protection it provides but also in the access it grants to quality healthcare services. In a world where health uncertainties are prevalent, investing in health insurance is a proactive step towards a healthier and more confident future.
FAQs
- Is health insurance only for serious medical conditions? No, health insurance covers a wide range of medical services, including preventive care, routine check-ups, and minor illnesses, in addition to serious medical conditions.
- Can I have health insurance if I have a pre-existing condition? Yes, many health insurance plans now cover pre-existing conditions. However, it is essential to check the policy details and coverage limitations.
- What is the waiting period in health insurance? The waiting period is the duration during which certain medical conditions may not be covered by the insurance plan. It varies depending on the policy and can range from a few months to a few years.
- Can I customize my health insurance plan based on my needs? Yes, some insurance providers offer the flexibility to customize health insurance plans to cater to individual requirements.
- What should I consider when choosing a health insurance plan? When selecting a health insurance plan, consider factors such as coverage, premiums, network of healthcare providers, and the extent of financial protection it offers.
by chatepradip | Feb 16, 2022 | Health Insurance
Top 5 Health Insurance Benefits
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For most people, health insurance is not a luxury; it’s an essential part of everyday life. Yet most people fail to fully understand all the ways that health insurance can benefit them and their loved ones in the long run. Read on to learn about the top five benefits of health insurance that you may not have considered before.
1) Financial Security
The top benefit of health insurance is peace of mind. That’s a big one, and it doesn’t get nearly enough attention. Think about it: what good is your health if you can’t pay for basic necessities like food, shelter, transportation and heating? Having health insurance means that you won’t have to worry about these important things if something goes wrong. It can also help provide funding for a wide range of treatments and services – from in-hospital stays to prescription drugs to doctor visits – that could make your life better than it was before.
2) Flexibility
You can change or upgrade your health insurance policy as you and your family’s needs change. You can even add and remove family members whenever you like. This makes it easier to accommodate kids going off to college, young adult children moving back home, aging parents moving in, etc. As long as you pay for everyone on your plan’s premiums – you control when and how often they visit a doctor.
3) Peace of Mind
No one likes to think about accidents or sickness, but if you’re going to be paying for health insurance for a long time, having peace of mind is worth its weight in gold. In addition to knowing that you won’t go bankrupt over a medical emergency, insurance coverage helps protect your assets against potentially sky-high deductibles and co-pays. The lack of these expenses can make all of your other financial goals easier to achieve.
4) Convenience
Are you tired of managing your health care costs on your own? The average family spends nearly $15,000 a year on health care. Choosing an HMO plan through us can save you money and provide you with more convenient access to high-quality health care. Our customer service team is available 24/7 to answer questions and help you find ways to lower your expenses.
5) Reimbursement
A company-sponsored health insurance plan provides a package of coverage in exchange for an annual premium. Health insurance reimbursement is money that your employer pays you to help cover costs of your medical care, such as deductibles and copayments. Depending on your plan, you may also be eligible for other benefits, such as vision or dental insurance or flexible spending accounts. You can use these accounts to pay for out-of-pocket medical expenses tax-free throughout the year so long as you spend less than you’ve contributed.
by chatepradip | Apr 12, 2021 | Health Insurance
Benefits of Health Insurance in India
To create a safety net for your finances against expensive medical bills, you should invest in the right health insurance plan for maximum benefits. Such plans provide coverage for all hospitalization expenses, thus safeguarding your finances for future benefits.
If you are still hesitant to invest in a health insurance policy or you think that it is not at all necessary, then this post will make you aware of the importance and benefits of health insurance plans.
we provide all types of health insurance
Importance of Health Insurance
The current pandemic has taught us that medical exigencies are quite unpredictable and can cause significant financial upheaval. The high medical expenses and bank-breaking hospitalization charges can prove extensively strenuous in terms of finances, especially in the private sector. Therefore, getting the best health insurance plan can provide you with all-round protection in the most needed times.
Let’s say, Anita is a school teacher earning around Rs. 30,000 per month and she doesn’t believe in the benefits of a health insurance plan. She met with an accident and broke her leg, which landed her in an emergency room. The cost of fixing her broken leg (leading to surgery) rose between Rs.1-2 lakhs, which dramatically drained out her savings.
If she would have had a health insurance plan, then it would have provided her with maximum health coverage, thus keeping her financially safe from high and unexpected costs.
Key Benefits of Choosing The Right Health Insurance Policy In India 2021
Financial Safety
As the cost of medical treatments is sky-rocketing day by day, the right insurance policy will offer all-around protection from strenuous and unexpected financial upheaval. If you wish to avoid paying highly expensive medical bills or spending on expensive medicines, then choosing the right health insurance policy in India is of utmost importance to keep your savings intact.
Hospitalization Expenses
One of the key health insurance benefits is that it covers almost all hospitalization expenses.
Accidental hospitalization: In case the insured person had met with an accident, he can claim his expenses arising out of hospitalization.
ICU room rent: It provides coverage for the rent of being in ICU (Intensive Care Unit) room.
Illness related hospitalization: In case the insured person is hospitalized due to an illness or disease, he can claim the expenses arising out of hospitalization.
Organ donor expenses: If the insured person is a recipient of an organ, the expenses related to the treatment as well as surgery are covered.
Domiciliary treatment: If the insured person is required to take treatment at home under medical supervision, all the expenses will be covered.
Pre and post-hospitalization- Expenses before treatment and after discharge are well covered under health insurance (up to policy’s TnCs).
Income Tax Benefits
Buying the right health insurance plan also provides you with income tax benefits. According to Section 80D of the Income Tax Act, 1961, individuals can claim tax deductions up to Rs. 1 lakh. Therefore, it leads to less deduction in income tax bills and extensive profits for the future.
Cost For Day Care Procedures
With technological advancements in the healthcare sector, surgeries and treatments that required several days to complete in the past now could be completed within 24 hours. Therefore, the right health insurance policy can assist you in covering the costs for some treatments, such as ear operations, nasal treatments, etc. that don’t require more than a day of hospitalization.
Complimentary Checkups
The right policy will also provide you with the benefit of free check-ups so that you could be aware of any health condition (if present). However, this varies from one health policy to another.
Lucrative Deals
In case you have started planning to purchase health insurance early, you can receive better benefits than other people (aged older) such as higher coverage at lower premiums, longer policy tenure, fewer chances of facing the waiting period, among others. Young minds need to understand that an early start can bring a stable future.
Cashless Treatments
Today, health insurance companies provide the joy of cashless hospitalization. Over here, the insured doesn’t need to pay from his pocket. All the expenses are borne by the respective insurance company.
Other Takeaways
Apart from the above, an effective health insurance policy will gladly cover expenses arising out of ambulance transportation, alternative treatments (AYUSH) and also provide NCB and daily hospital cash allowance to the insured.
Check Health Insurance Premium
How To Buy Health Insurance From policyGuruji.com?
Policyguruji.com provides you with a health insurance plan that can offer multifaceted protection to your finances and health. We, being one of the leading IRDAI approved online insurance web aggregators in India, lend you a helping hand in your most needed hours. Now that you are cognizant of the health insurance benefits, you must know the process of buying a health insurance policy from Policyguruji.com. Here are a few steps to do so:
Fill the form ‘Get Quotes From Top Insurers’ on the top of this page.
Once done, click on ‘Continue’. Enter more information and tap on ‘Proceed’.
Out of all the health insurance plans, go with the one that best suits your needs.
Choose the sum insured, add-ons (if needed), and check the premium details.
Pay the premium and the policy will be sent to your registered mail id.
Final Thoughts
Your health is your wealth. Don’t take any chances against it. Keep the importance and the benefits of health insurance in your mind and select the right one based on your needs and requirements.
by chatepradip | Apr 3, 2021 | Health Insurance
Health Insurance Companies
Started in 1986 in India, the health insurance industry has seen exponential growth in the country. As of now, there are 30 insurance companies in the country that offer health insurance products.
Out of these, 25 are General Insurance Companies in India offering health insurance plans and 5 are Standalone Health Insurance companies. A general insurance company deals in various insurance products such as travel insurance, motor insurance, health insurance, rural insurance, etc. except life insurance, whereas a standalone health insurance company deals only in health insurance.
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Best Health Insurance Companies in India
Below is the list of top health insurance companies in India along with their claim settlement ratio as per FY 2019-2020.
| Rank |
Health Insurance Company |
Health Claim Settlement Ratio FY20 |
Network Hospitals |
| 1. |
IFFCO Tokio General Insurance |
96.33% |
5,000+ |
| 2 |
Care Health Insurance |
95.47% |
7,400+ |
| 3 |
Magma HDI Health Insurance |
95.17% |
4,300+ |
| 4 |
The Oriental Insurance Company |
93.96% |
4,300+ |
| 5 |
New India General Insurance |
92.68% |
1,500+ |
| 6 |
Bajaj Allianz General Insurance |
92.24% |
6,500+ |
| 7 |
Max Bupa Health Insurance |
89.46% |
4,500+ |
| 8 |
Navi General Insurance |
86.98% |
5,100+ |
| 9 |
HDFC ERGO General Insurance |
86.52% |
10,000+ |
| 10 |
Manipal Cigna Health Insurance |
85.72% |
6,500+ |
| 11 |
Edelweiss General Insurance |
85.57% |
2,500+ |
| 12 |
National Insurance Company |
83.78% |
6,000+ |
| 13 |
Future Generali General Insurance |
82.96% |
5,100+ |
| 14 |
Royal Sundaram General Insurance |
81.50% |
5,000+ |
| 15 |
Liberty General Insurance |
81.03% |
5,000+ |
| 16 |
ICICI Lombard General Insurance |
78.67% |
5,000+ |
| 17 |
Star Health Insurance |
78.62% |
9,900+ |
| 18 |
United India Insurance Company |
78.03% |
7,000+ |
| 19 |
Reliance General Insurance |
76.43% |
7,300+ |
| 20 |
Tata AIG General Insurance |
76.04% |
3,000+ |
| 21 |
Bharti AXA General Insurance |
76.01% |
4,500+ |
| 22 |
Kotak Mahindra General Insurance |
75.45% |
4,000+ |
| 23 |
Acko General Insurance |
74.09% |
5,000+ |
| 24 |
Aditya Birla Health Insurance |
70.81% |
6,000+ |
| 25 |
Universal Sompo General Insurance |
70.75% |
4,000+ |
| 26 |
SBI General Insurance |
66.08% |
6,000+ |
| 27 |
Go Digit General Insurance |
63.56% |
5,900+ |
| 28 |
Cholamandalam MS General Insurance |
56.25% |
8,000+ |
(Source: IBAI’s General Insurance Claim Insights Handbook – 5th Edition.)
How To Choose The Best Health Insurance Company In India?
Every health insurance company in India has unique features that set it apart from other companies. Also, there is no insurance company that suits everyone.
The definition of the best health insurance company varies from individual to individual depending on their requirements and health goals. For instance, some individuals may find one insurance company best for them due to the wide network of its partner hospitals offering cashless claim facilities, while some others may give more weightage to the quality of services offered or the availability of customer support.
Following are the factors which you must consider while comparing different top health insurance companies in India that meet your requirements:
1. Availability of Health Insurance Plans
One of the primary factors of comparison of different health insurance companies is the types of health plans offered by insurance companies. While some insurance companies offer only generic health insurance plans like the individual health insurance plan and the family floater health insurance plan, some insurance companies offer plans specifically designed for certain categories like for women, children, senior citizens. Choose the insurance company which offers the plan matching your requirements.
2. Cashless Network Hospital
Every health insurance company partners with a number of hospitals at which it allows cashless claim facilities. While choosing a health insurance company, it is wise to know the strength of a cashless network hospital of an insurer. The wider the network, the better it so that you can initiate a cashless claim in a nearby hospital.
3. Claim Settlement Ratio
The claim settlement ratio of a health insurance company tells the percentage of claims settled by it out of the total number of claims received during a financial year. The higher the claim settlement ratio, the better it is.
4. Customer Support Service
Another important factor to consider while choosing a health insurance company is the availability and quality of the customer support service offered by it. It is always good to choose a company which offers 24*7 customer support so that you can anytime get your queries resolved.
5. Business Volume
Business volume means the total number of policies that an insurance company has sold and collected the premium. An insurance company that has sold more policies indicates that it has a larger market share and hence can be trusted by the people. Business volume can be considered as a parameter to judge health insurance companies where higher volume means greater trust among the customers.
6. Claim Settlement Process
Choosing an insurance company that offers a smooth claim settlement process is very important. This is because no one would want to get involved in time taking or complicated processes at the time of emergency. So, it is recommended to go for an insurance company that has lesser claim formalities so that you can save time and effort.
7. Reviews And Ratings
Knowing reviews from the existing policyholders about a health insurance company helps you make an informed decision. For this, you can read customer reviews for different insurance companies at InsuranceDekho and go for the company that has positive feedback. Also, consider star ratings of the insurance companies which again you can find on InsuranceDekho’s website. You can also do some research in order to choose the best insurance company.
8. Awards and Accolades
On the website of every insurance company, you will find a section of awards and accolades. There you can check how many recognitions a particular insurance company has won. A higher number of awards and recognitions indicate the greater credibility of the company. So, when choosing an insurance company, go with the one that has consistently won several awards and accolades that makes them an all-rounder.
9. Customer Support
A good insurance company has a great customer support team. So, you must choose an insurer who is available 24*7. They must have a helpline number where you can call and get your grievances addressed. Not only call, but you should also be able to reach out to them via email, chat, etc. It makes it easy for you to face several doubts related to health insurance coverage when the insurer is helpful and easily approachable.
10. Digital Presence
Nowadays, the majority of insurance-related work takes place online. This means you are no longer required to visit the insurer’s office, chase insurance agents and pay a lot of bucks as brokerage, or submit a pile of documents to get health insurance coverage. You can simply do all of it by logging in and availing of health insurance services or any related information on the official website of the insurer. So, it is imperative to choose an insurance company that has a good and strong digital presence so that you can purchase and maintain a health insurance policy with the utmost ease.
How To Buy Best Health Insurance Policy Online in India With InsuranceDekho
InsuranceDekho offers a quick, transparent, and paperless process to buy health insurance. All you need to do is follow the simple steps given below and you can own the policy within a few minutes.
Step 1: Visit policy guruji and click on the tab for ‘health’.
Step 2: Select your Gender. Enter your Name and Mobile Number. You will receive an OTP on the provided mobile number, enter that.
Step 3: Tell us when you plan to buy the insurance policy. Click on ‘View Instant Quotes’ to proceed.
Step 4: Select the family members you want to include in the policy along with yourself. Click on ‘Continue’.
Step 5: Select the age of the selected family members. Click ‘Continue’.
Step 6: Enter your Email ID and City and click on the ‘Submit and View Quotes’ button. Quotes customized as per your details will appear on your screen. Choose the one which best suits your requirements.
Step 7: Choose the tenure of the selected health insurance plan, enter the required details, and proceed with the payment.
After successful payment of the health insurance premium, you will receive the policy documents via mail within the stipulated time.
by chatepradip | Apr 2, 2021 | Health Insurance
- When it comes to buying health insurance, people often purchase it to save tax, but override the actual health concerns and treatment costs that can pinch a hole in their pockets. Therefore, it is mandatory to have a health insurance policy to ensure complete fiscal protection for an unforeseen circumstance or medical emergency. In this article, we will tell you about the top 10 tips that will help you buy the right health insurance.
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10 Tips To Choose The Right Health Insurance Plan
The following is a list of 10 tips that will help you to buy the right insurance plan.
-
Choose The Right Sum Insured
Your sum insured should be10 times your annual income to offer you maximum compensation in times of need.
-
Choose Lifetime Renewability
Select a health insurance policy that comes with a lifetime renewability feature that will allow you to have a health cover for critical ailments during your post-retirement days.
-
Don’t Choose Claim Loading
Avoid buying insurance plans that come with a claim loading feature where your premiums keep increasing even if you make a critical illness claim, making your policy unaffordable.
Settle for a health insurance policy that comes with a restore limit feature and adds coverage to your sum insured amount. For example, if your sum assured amount is INR 5 Lakh and you have a restore limit of INR 5 Lakh, your total critical illness coverage will be INR 10 Lakh at no extra cost.
-
Don’t Provide Misinformation
You must never provide misinformation to your insurance company as it can lead to your policy’s cancellation as fraud. If you are not truthful about any illnesses or underlying medical conditions, you can get your claims rejected for lack of justification.
-
Select Short Waiting Period
Most insurance policies come with a waiting period of 2 to 5 years during which you are not allowed to make any claims to your insurance provider. However, shorter waiting periods of about 4 to 6 months are also provided, and be wise to select a policy with the shortest waiting period to avail maximum benefits.
Buy an insurance plan that offers you a minimal sub-limit and reduces the restriction on your medical expenses. It is not possible to pre-decide the required hospital room facilities or drugs that will be administered to you and your family and you must check this before you buy a policy.
Do not forget to compare your policy online for a different perspective. It gives you an idea of different quotes, premium rates, and benefits and allows you to choose the best plan suited to your financial capacities.
Buying life insurance early comes with benefits. Since you are likely to make less claims as a young person, your no-claim bonus and other benefits will add up to your original coverage every year and you will receive a lump sum amount at the end of your policy tenure.
Riders are additional options that you receive with your comprehensive health insurance plan at the payment of a slightly higher premium. They offer extra protection for specific cases such as an accident, critical illness, or a disability. Choose the right rider that will boost your coverage.
Take Away
You should take heed of these different options to secure the maximum protection for yourself and your loved ones, However, this list is only suggestive and the plan that you buy will ultimately conform to your financial and medical requirements.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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