Individual ho ya poori family — Delhi, Noida, Gurugram, ya Ghaziabad kahin bhi ho, hum aapki actual zaroorat ke hisaab se maximum coverage, minimum premium mein plan dhoondte hain.
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Health insurance choose karna mushkil hai — 40+ plans, alag sum insured, waiting periods, room rent limits. Kumar Insurance mein hum aapki age, family size, aur medical history ke hisaab se sahi plan suggest karte hain — na ki jisme sabse zyada commission mile.
Chahe aap pehli baar health insurance le rahe ho ya apni existing policy upgrade karna chahte ho, hum genuinely best-fit plan dikhate hain — comparison ke saath, bina kisi pressure ke.
Har family member ka apna alag sum insured hota hai. Agar ek member zyada claim kare, doosron ka cover affect nahi hota. Senior citizens ke liye better option.
Poori family ke liye ek shared sum insured — usually zyada cost-effective jab family young aur healthy ho. Ek premium mein sabko cover milta hai.
Haan, kuch insurers 2-4 saal ke waiting period ke baad pre-existing conditions bhi cover karte hain (diabetes, blood pressure, thyroid jaise conditions). Hum aapko sahi insurer suggest karte hain jo aapki specific condition cover kare.
Waiting period woh time hota hai jiske baad hi kuch claims valid hote hain — initial waiting period (30 din, sabhi illness ke liye), pre-existing disease waiting period (2-4 saal), aur specific illness waiting period (jaise cataract, hernia — 1-2 saal). Sahi plan choose karne se waiting period kam ho sakta hai.
Depend karta hai family size aur age par. Young family ke liye floater cost-effective hai; senior citizens ke liye individual plans zyada suitable hote hain.
Har insurer ka apna network hospital list hota hai. Us list mein treatment lene par bina paise diye (cashless) ilaj ho sakta hai — hum aapko wahi insurers dikhate hain jinka network Delhi, Noida, Gurugram aur Ghaziabad mein strong ho.