Health Policy

Health policy is the right means to be used to finance medical expenditure, but many people believe that these plans should be brought in old age, when a body becomes prone to health risks. It shows that this is the pool of people who are not much aware of the benefits of a health policy.

Health policy, if brought at early age, offers the following benefits;-

• A person would not be able to enjoy the benefit of cumulative bonus that one gets for claim-free years.

• A person buying health insurance at early age has to pay less premium amount.

• A person spends much on his/her healthcare, which would have been covered, if he/she would have been insured.

• Maximum number of health insurance plans in India has cover ceasing age, beyond which there is no coverage offered.

• If a plan is bought at old age, when a human body becomes more prone to diseases, waiting period can keep an insured away from the coverage.


An ideal way to adopt is to buy health policy with lifelong renewal at early age and get it renewed regularly. Apollo Munich offers this benefit of lifelong renewal with its plans.

Low Cost Health Insurance

There are many people who think a lot before buying low cost health insurance. At the same time, there are people who say that they should not buy these plans because of narrow coverage. This controversy can be best solved by choosing a plan on basis of healthcare needs.

An ideal way to find the best low cost health insurance is to look into various associated factors, other than premium. People in their attempt to find cheap products focus only at medical insurance rates and thus, buy the one that fits into their budget. But, it is recommended that such people should also look into coverage limits and other facilities offered. There are many such plans that offer wide coverage at reasonable prices.

Apollo Munich, a pure health insurer, offers all its products at cost-effective price. It is not that there are no cheaper products in market, but yes, there are no cheaper products, if coverage is also kept in mind. Easy Health plan can be purchased at the rate of just few rupees per day. It may amount to less than Rs. 5 per day. Insure Health is the simplest and easy-to-buy product, designed for people who want coverage for sum assured less than 2 Lakh.