Posted by admin | Posted in Health | Posted on 13-11-2010
Apollo DKV(Apollo Munich) offers various health products to its customers. Insure Health is one of health product with a long list of benefits. This is an inpatient easy to buy health insurance product, means there is no lengthy process such as medical examination to avail this policy. It can be availed at any Apollo Munich health counters by a filling a simple proposal form and getting it authorized and activated at the counter itself.
The policy covers the insured person for all medical expenses with its sub-limits. The expenses include hospitalization, pre-hospitalization, post hospitalization, day care procedures, organ donor, etc. The medical expenses for in-patient Ayurveda, Unani, Sidha and Homeopathy treatment are also covered under the Ayush benefit. All pre-existing diseases are covered after 4 continuous policy years.
The policy covers the individual and family for the period of 1 year only. The family means spouse, dependent children and dependent parent. A child dependent can be covered from 91 days, if both parents are covered under this policy. The maximum entry age is 50 years. The policy covers the individual from the age of 5 years onwards.
The premiums for this policy depends on age of the insured person and sum insured option chosen. The premium amount starts from Rs. 530/- . There are various sum insured options are available that suits to every individuals budget. They are Rs.25,000/-, Rs.50,000/-, Rs.75,000/-, Rs.1,00,000/- and Rs.2,00,000/-. The policy offers coverage on individual sum insured basis only. The co-payment of 15% is applicable for each claim under this policy.
A family discount of 10% is available, if 2 or more members of a family are covered under the same policy on individual sum insured basis. In addition, the policy also offers the loyalty discount of 5% on the renewal premium.
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Tom Megalis, a live on the edge freelance performer/animator guy, just purchased new health insurance after a four month lapse in coverage.
Help answer the question about insurance health
What health insurance plans cover toenail fungus medication and nail removal surgery?Hi,
I suffer from toenail fungus, and I've tried ALL home remedies available without success. I'm also about to buy health insurance. I thought I would take this opportunity to finally visit the doctor and get rid of this problem. My questions are:
1. Which health insurance plans offer the best coverage to treat toenail fungus?
2. Do they cover the medication and the surgery required in some cases to remove the toenail?
Thank you for all your help!
It's okay to shred them if you are not claiming any medical on your income tax records. If you do, then keep them along with your receipts of what you wrote off on medical with that years income tax for 7 years.~~
Actually, the only time the copays are so low for health insurance is when you're dealing with those high-dollar plans provided by a lot of employers. (At least those are the types of plans that were provided be employers in the past; that's changing significantly because of the cost involved.) Trust me, these are FAR from the "norm."
As for dental insurance, the fact is that there are nearly as many organized networks for dental providers as there are for medical providers (where belonging to as many networks as possible is the best way to ensure you keep new clients coming in to your practice.) Dental insurance, by comparison to what you pay for medical coverage (particularly of the variety you mention) is also CHEAP. And I don't know very many people who would pay triple the price for dental insurance so they could get the $10 copay. In the end, it's really that simple.
To Be honest,It will take a little time to find the answer for the question of yours.have a look at the resource here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm for your reference .
As a soldier, I find it pretty amazing that Republicans are making such a fuss over being forced to purchase health insurance because it “infringes their freedom.” Why weren’t any of you raising a fuss when Bush announced that he was going to infringe on soldiers’ contracts by implementing his “stop loss” policy so he could wage his pointless war in Iraq? Why do you complain about costs associated with Obama’s plan but spending trillions in Iraq was acceptable? hypocrites
Obamacare will not help. There are 47 other nations where they live longer than we do.
@bardic68
you guys gotta stop reading soooo late in the message, i had to read my own message to see what i said. i’m not gonna say anything on the topic. stay current!
SHAME SHAME SHAME THIS IS HAPPENING IN AMERICA the #1 country in the world??? My tuchas(tush)
The Republicans want to kill 45,000 people a year. They not only want to kill your Grandma, but your mother and sister and brother too…..or anyone else who the Big Insurance Death Panels decide to knock off when they get sick.
These Thiefs, will all go down the drain soon thanks to Obama, I wish all those cigna executives will die slow & painfully hahahahaha
Not at all. Both were great teachers. Not everyone is a Christian or a Buddhist, yet still respect the teachings of others.
You've asked a very broad question. There is no simple answer.
In truth, health insurance works a little differently in each state.
To answer your specific questions:
1) No, health insurance is not compulsory for everyone. If you're lucky, you are able to join a group policy at work. (If you're really lucky, it's a good policy and the employer pays at least half of it.) Some states have recently made it compulsory, but that's such a recent change that there's no clear cut answer yet for how that's going to work.
2) What happens if someone can't afford it is… they don't get it, usually. Except if your income puts you below the "poverty level", in which case you qualify for Medicaid. (In some states there are programs that typically provide assistance with insuring children, though they are few and far between for covering adults.)
3) Health insurance rarely covers all the bills when you have a procedure done. Most plans cover 50-80% after you meet your deductible. The deductible amounts vary widely (but the trend is that the deductibles are getting higher and higher to keep the premiums down.) If you're really, REALLY lucky, you don't have a deductible (which is only an option on group plans), and you may only have to pay 10% of covered charges. (These plans are few and far between. As in, you might have them if you're in Congress.)
4) Yes, the patient has some say over procedures. However, if the patient opts for an "experimental" procedure, or one that isn't deemed "medically necessary", then health insurance may refuse to cover any charges at all.
In the end, as with most things, the middle class takes the brunt of these costs. This has become such a problem that more than 50% of all bankruptcies are as a result of medical bills (and of those, more than 75% had health insurance.)
** Edited to add:
It's not ALL about the money when a procedure is involved. If it is, the state keeps track of complaints filed on behalf of consumers with "managed care" (ie. any type of network arrangement including Preferred Provider Organizations, Health Maintenance Organizations, and Point of Service organizations — also known as PPO, HMO, and POS) and may very well revoke a company's charter to do business in the state should the company be turning down too many legitimate claims.
However, insurance companies are sticklers for following the "standard" for medical care. This is what makes it difficult to answer your question. Because they should not deny anything that's considered standard for care in the given circumstances (should not and will not being two completely different things, of course.) And there may be several options that would be considered "standard." If the patient wants treatment that isn't yet considered "standard", they would balk. Period.
Just OPT OUT of anything
oblummacare..
Its poison..
Nobody wants it…
i htought the main reason of living in a society was to help each other out, am i wrong?
Hi Gumbo..
I may can help. There exists plans for any citizen at 1970 rates in all 50 states that include pre-existing conditions and hospital advocacy all for as low as $29.95 monthly without restrictions or deductibles. All ages included.
I've owned mine since 2003 and will never part with it. I am a cancer survivor and have more benefits then I could ever use.
They don't believe private insurance is the answer to all ills. Simply put, they are not currently experiencing any medical problems that their private insurer has denied coverage for, so they don't fully understand that millions of people WITH insurance go bankrupt in this nation every year. Ultimately, though, the real issue is, they don't care. That's your problem, your illness, and they don't have to deal with it. Until it is their problem and their illness, and their family on the line, they will continue not to care.
Sorry to burst your bubble, but "health" insurance is not included!
Some credit cards have "life" insurance included when you buy an airline ticket – but it varies widely by credit card company, and usually starts at the gold or platinum card levels. I strongly suggest that you check with your credit card customer service department. Generally that number can be found on the back of your card.
I hope this information is helpful.
Well, if she's 40 and perfectly healthy, it's going to cost her about $500 a month to have a low/no deductible plan that covers checkups.
You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage – like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less.
The older she is, the less healthy she is, the more it costs.
Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.
We have an infant mortality rate of about 630 babies per 100,000 per year. Evidently the Republicans want to kill 27,000 babies each year. They claim to be pro-life but they don’t care about the increasing number of newborns who die each year.