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What is Health Insurance?
Health insurance is a financial protection plan that helps you pay for medical expenses during an illness, injury, or medical emergency. A Perashak Health Insurance policy ensures you get quality healthcare without worrying about rising treatment costs. With medical inflation increasing every year, having the right health insurance plan is essential for every family.
A good health insurance policy covers hospitalization bills, surgery costs, doctor fees, medicines, diagnostic tests, and sometimes even preventive care. By paying a small premium every year, you secure yourself against unexpected medical expenses that can otherwise become a financial burden.
At Pareshak, we offer comprehensive health insurance plans designed to provide maximum coverage, faster claim settlement, and complete peace of mind. Whether you are protecting yourself or your family, health insurance helps you stay financially secure during emergencies.
How Does Health Insurance Work?
Health insurance works on a simple concept:
You pay a yearly premium, and in return, Perashak provides financial support when you need medical treatment.
Step-by-Step How It Works:
Choose a Health Insurance Plan:
Select a policy based on your age, health needs, and coverage requirements.Pay the Premium:
This is the yearly or monthly amount you pay to keep your policy active.Get Covered for Medical Expenses:
Whenever you face a medical emergency or planned treatment, your policy helps cover the cost.Cashless Treatment:
At Perashak network hospitals, you can receive treatment without paying upfront. The hospital directly settles the bill with your insurer.Reimbursement Claims:
If you visit a non-network hospital, you can apply for reimbursement by submitting bills, doctor reports, and treatment documents.Renew Every Year:
Health insurance must be renewed annually to continue receiving benefits.
A health insurance policy is a financial safety shield that protects you and your family during medical emergencies. It comes with several benefits such as paying your medical bills including pre and post-hospitalization expenses, protect your savings and get tax benefits.
With Perashak, you also get benefits like no-claim bonus, free health checkups, day-care procedure coverage, and critical illness benefits depending on the plan you choose.
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How Much Health Insurance Cover Should You Buy?
Choosing the right health insurance coverage is one of the most important decisions you will make. The ideal coverage depends on your lifestyle, financial capacity, age, and family size.
Here are expert recommendations from Pareshak Health Insurance:
1. Single Individuals (Age 18–100):
A minimum of ₹5 lakh to ₹10 lakh coverage is recommended due to rising medical costs.
2. Families with Children:
Opt for a Family Floater Plan with at least ₹10 lakh to ₹20 lakh coverage so everyone stays protected under a single plan.
3. Senior Citizens (60+):
Consider coverage of ₹10 lakh to ₹25 lakh with critical illness add-ons, as treatment costs are usually higher in this age group.
4. People Living in Metro Cities:
Due to higher hospital charges, you should consider ₹15 lakh to ₹25 lakh or more.
Why Higher Coverage is Important:
Medical inflation is increasing rapidly.
Surgeries, hospitalization, and ICU costs are expensive.
A higher sum insured prevents out-of-pocket expenses.
Ensures you receive quality treatment at top hospitals.
At Pareshak, we help you select the perfect sum insured based on your medical needs and financial goals, ensuring maximum protection for you and your loved ones.
Pareshak Health Insurance is a comprehensive medical coverage plan designed to protect you and your family from high hospital bills, surgeries, doctor fees, and other healthcare expenses. It provides financial support during medical emergencies and ensures access to quality treatment.
Health insurance protects you from unexpected medical expenses. With medical inflation rising, even a small hospital stay can be expensive. A Perashak Health Insurance policy ensures you receive the best treatment without worrying about financial stress.
With Perashak’s network hospitals, you can get treatment without paying upfront. The hospital directly sends the bill to the insurer, and the claim is settled on your behalf. You only need to show your health insurance card and ID proof.
For a reimbursement claim, you need:
Hospital bills and discharge summary
Doctor prescriptions
Diagnostic reports
Treatment invoices
Health insurance policy details
Perashak offers easy, paperless claim submission to simplify the process.
Coverage depends on your age, family size, and location.
Individuals: ₹5–10 lakh
Families: ₹10–20 lakh
Senior citizens: ₹10–25 lakh
Higher coverage is recommended if you live in a metro city due to higher medical costs.
Yes, pre-existing diseases are covered after a waiting period (typically 2–4 years), depending on the policy selected. Pareshak also offers plans with reduced waiting periods.