What is Health Insurance Policy?

Health insurance policy covers individuals and their families against health-related issues like accidental injuries and critical illnesses. There are two types of health insurance, Mediclaim and fixed benefit critical illness cover.Mediclaim is an indemnity policy under which your actual medical expenses during an emergency get reimbursed. Some Mediclaim plans also cover critical illnesses depending upon the policy.On the other hand, a fixed benefit critical illness policy is a benefit plan under which the insured people or their nominees get a lump sum amount on the pre-specified illness irrespective of the medical bills.

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