Types of Health Insurance – Different Types of Health Insurance Plans

विभिन्य प्रकार के हेल्थ Insurance – Different Types of Health Insurance Plans In India How they Compare?

जब कभी भी हम लोग Health Insurance लेने जाते है तो सबसे पहले या तो अपने नजदीकी मार्किट में Insurance के बारे में जानकारी लेते है या फिर Insurance ब्रोकर से हेल्थ Insurance के बारे में जानकारी लेकर ही हम कोई हेल्थ Insurance प्लान लेते है।

आजकल कई प्रकार के हेल्थ Insurance मार्किट में मिलते है जैसा आप को पसंद है आप उस प्रकार का Insurance अपने लिए ले सकते है। Like offer: bronze, silver, gold, and platinum

Bronze plans have the least coverage, and platinum plans have the most. If you are under 30, you may also be able to buy a high-deductible, catastrophic plan.

Platinum: covers 90% on average of your medical costs; you pay 10%
Gold: covers 80% on average of your medical costs; you pay 20%
Silver: covers 70% on average of your medical costs; you pay 30%
Bronze: covers 60% on average of your medical costs; you pay 40%
Catastrophic: Catastrophic policies pay less than 60% of the total average cost of care. Catastrophic plans must also cover the first 3 primary care visits and preventive care for free, even if you have not yet met your deductible.

4 Common Types of Plans:

Health maintenance organizations (HMOs)
Preferred provider organizations (PPOs)
Exclusive provider organizations (EPOs)
Point-of-service (POS) plans
High-deductible health plans (HDHPs), which may be linked to health savings accounts (HSAs)

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आज दुनिया में Health Insurance की जरुरत हर ब्यक्ति को है और लोग इसके प्रति जगरूप भी हो रहे है और अपने हेल्थ का पूरा ध्यान रखते हुए बीमा करा रहे है।

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