Look for long term, you need health insurance most after 45+ year, because of age, chances of getting disease more!> Guaranteed fixed premium rate for 3 years. This means even if you have a claim in year 1 or 2, thepremium will not increase.
As said by Rahul its like other Critical Illness Policy, you will get lump sum value, but what about pre and post hospitalization changes, which you will get Apollo Munich Policy.> You get a guaranteed fixed amount of money, irrespective of the actual hospital bill.
comprehensive.
Plus Point.> Coverage guaranteed; covering all kinds of surgeries including 240 day care treatments and 10 critical illnesses.
In most cases cash less is available for you won't even required photocopy.> Photocopies of hospital bills are accepted.
This article from ET also help you in deciding -
http://economictimes.indiatimes.com/...ow/7364631.cms
I have picked below points, helpful for you -
General insurers
General insurance companies offer indemnity policies or reimbursement health plans Mediclaim has to be renewed on an annual basis. The company can increase the premium at renewal Look for the clause on sub-limits. The most common sub-limits are room rents, doctors’ fees and diagnostics Individuals from a small town should go for a cover of 2-3 lakh, and in metros up to 5 lakh.
Life insurers
Defined benefit plans, mostly offered by by life insurers, pay a lump sum on the diagnosis of any of the named critical illnesses listed in the policy document Insurers usually do not cover the specified critical illnesses if they are diagnosed within 90 days from the effective date of the policy Premiums are usually revised at renewal, which is usually three years or more If the company wants to increase the premium within three years, the insurer has to seek Irda’s approval
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