Insurers are providing health insurance plans to help them receive timely treatment whenever they fall ill or meet an injury. Different providers are coming up with various policies to help customers with different requirements. Most of the providers offer Bronze, Silver, Gold, Platinum and Catastrophic plans to cate the interested policy buyers with the most suitable plans for them and their loved ones. Let’s get to know how these plans are different and what are the major benefits provided with the same.
This falls among the most affordable healthcare plan offered for interested buyers. Under these plans, the insurance provider pays for the 60 percent of total medical expenses and the Insured has to take care of the rest. This includes but isn’t limited to the expenses on visiting the doctors, diagnosis tests, surgical expenses as well as rehabilitation charges. These insurance plans are a great option for people with a sound health condition and don’t fall ill frequently. Such people have fewer possibilities to visit a doctor or hospital frequently and spend much on their treatment.
The silver plan is the most affordable plan after the bronze one. These plans cover around 70 percent of total medical expenses of the insured and the insured will have to pay for the 30 percent. These plans are made for those who have an average health condition. These plans cover all the major diseases including but not limited to Cancer, Renal Failure or Renal Dialysis, Stroke/Cerebrovascular Disorders, Chronic Liver Disorders, Liver Cirrhosis, Hepatic Encephalopathy or Liver Failure, Paralysis, AIDS/HIV Infection, Diabetes With Complications, Severe Psychiatric or Mental Illness, Systemic Lupus Erythematosus, Motor Neuron Disease, Dementia/Alzheimer’s Disease, Parkinson Disease With Complications, Muscular Dystrophy, Chronic Lung Disease, Multiple Sclerosis, Rheumatoid Arthritis With Complications, Pulmonary Hypertension And Plastic Anaemia. You can get cheap health insurance quotes for these diseases easily from the online insurance portals who have an association with multiple reputed providers.
The offered plans are little expensive than the silver plan but cover 80 percent of total medical expenses on the insured. These plans further reduce the financial burden on the policyholder as they will have to pay for only the 20 percent of total medical expenses. This can greatly help them to afford the timely treatment of deadly diseases and save their life as well as the lives of their loved ones. These plans cover the terminal illnesses including but not limited to Cancer, Leukemia, AIDS, Lesch-Nyhan syndrome, Heart Disease as well as Ebola Hemorrhagic Fever.
Also, the providers offer a cover for chronic diseases including Asthma, Cardiac failure, Addison’s disease, Coronary artery disease, Systemic lupus erythematosus, Hypertension, Crohn’s disease, Diabetes, Chronic obstructive pulmonary disorder, Glaucoma, Haemophilia, Parkinson’s disease, Cardiomyopathy, Rheumatoid arthritis, Ulcerative colitis, Schizophrenia, Chronic renal disease, Hypothyroidism, Multiple sclerosis as well as Bipolar Mood Disorder. Through a gold plan, you can save a lot on the expensive treatment of serious diseases help people and their loved ones with a speedy recovery.
Platinum plans are the most advantageous plans offered for interested policy buyers. These plans are known for providing maximum coverage that is up to 90 percent of the all the medical and surgical expenses. These include all the pre and post hospitalization expenses, consultation charges, diagnostic tests and surgical expenses as well. There are providers who also offer a cover for expensive life-saving drugs and the policyholder won’t have to pay for the same. If there is a need for rehabilitation services after a surgery or for some other reasons, there are companies that cover the expenses of these as well. The insured will have to pay only the 10 percent of the total expenses and can afford very expensive treatment at pretty cheap prices.
These are the plans offered with very cheap monthly premiums to help you take care of your medical and surgical expenses. However, getting treatment through these plans may not be cheap always. At times, you will have to pay a deductible amount to get your claim approved by the provider. This deductible amount varies from provider to provider and you are supposed to shop around well to which company is offering a plan with the lowest deductible. You can find out such companies by filling a request form on online portals.