Health Plans are Many . Hospital treatment expense is Increasing daily . The Middle Class people had to bear lot of difficult in the meeting hospital bill . The Family today should be aware of the Cost of the Disease and the depth of the disease of the patient or relative is having .
In India the Family Health Insurance of Central government for BPL Card Holders and poor people is to give health insurance coverage of 30,000 Rs for one year for 5 members . Single person or a family of 5 person can have this benefits . He had to go to the government or medical college or authorized private hospital to avail the health benefits . As this for BPL card holders there exist d lot of restriction and it is not possible avail the benefit to all poor people in the country . In kerala state this restriction cannot give medical insurance coverage for the poor . So the government had taken steps to avail 70,000 Rs Medical benefit by this scheme in case of expensive hospital treatment in special cases and 2 lac Rs death benefit to the family members . A policy holder will be given a health card , that can be given for free hospitalization that include pre and post hospitalization expense of 30,000 Rs for 5 members
This comprehensive health insurance plans will cover the Hospital surgery expense and treatment expense in the near future .
The value of Life is important , and to save a life in accidents and disease depends on the depth of the accident and disease .
In kerala state , apart from the comprehensive health plans of goverment , Banks and Insurance companies are also providing health insurance coverage .
The pnb Metlife insurance family health insurance plans is for 5 lacs medical insurance coverage for 4 members in the family that include a Insurer, his spouse and two children . The plans is only for pnb bank account holders with tie with oriental health insurance that had more than 2000 network of hosptial in India .The company give the policy holder a health card . The plan is for 10 years and can be extended to his 78 years of age . A policy holder get the tax benefit and maturity benefit with life insurance coverage of 1.8 lacs.The Insurer get a health insurance card for hospitalization case that is more than 24 hrs and all the expense up to 5000 Rs is payable by the health card and remaining expense more than 5000 Rs had to be claimed .Insurer or his family of 4 can avail the 5 lacs Rs medical benefit yearly and can have the pre hospitalization and post hospitalization expense by this health insurance plans
As today most of the people are suffering for liver diseases, heart disease, diabetes . The liver corosis is a disease due to excess fat in liver due to bad food habits and alcohol drinking habits . The expense of such diseases are higher and for a long period of time . Kerala is in liver disease trap . Liver problems can give rise to many family problems also .