Best health insurance plan for your parents


Satyam Somani , Mumbai
Age -31 | Father Age – 60 | Mother Age – 59

Q:
I want to take a health insurance for my parents with a cover of 3-4 Lakhs.
Kindly suggest which health insurance plan is suitable for them. They are completely fit. No diseases.

Ans:
Its good that you are taking a health plan for them. If you can afford it, I would recommend a separate cover for each of them. There are options available.
If you take a family floater for them for 3 lakhs:

Star Health Family Health Optima – Rs. 19,150
Apollo Munich Optima Restore – Rs. 22,404
LT Medisure Classic – Rs. 25,365
Cigna TTK ProHealth Protect for 3.5 lakhs – Rs. 26,644

SHOP Marketplace: Health Insurance for Small Businesses


The Small Business Health Options Program (SHOP) Marketplace on HealthCare.gov is open to small employers with 1-50 employees. Small employers can offer their employees (and, dependents, if they choose) health and dental insurance at any time of year through the SHOP Marketplace.
Visit www.HealthCare.gov/small-business to learn more.

Cigna Health Insurance Commercial


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For educational purposes only

9 Things to consider Before Buying a Health insurance/Mediclaim [Hindi]


This video will inform you about the 9 most essential things that you need to consider before you buy any health insurance policy / mediclaim.

# Some conditions and treatments that are permanently not covered are
-Dental treatment except arising out of accident Cosmetic, aesthetic and obesity related treatment Debility and General Run Down Conditions Sexually transmitted diseases, HIV/AIDS Circumcision, Cosmetic surgery, Plastic surgery unless required to treat injury or illness Vaccination and Inoculation Pregnancy and child birth Besides these if the disease or condition is as a result of war, ionizing radiation or nuclear weapon it will be excluded.

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Understanding COBRA Health Insurance


Learn how long the continuing coverage lasts—and what it might cost you.

WHAT IS COBRA?
The Consolidated Omnibus Budget Reconciliation Act is a federal law passed in 1986. It requires companies with 20 or more employees to continue offering health insurance at group rates to former employees and their family members after they’re no longer eligible for the group — because of job loss or divorce, for example. Some states have similar rules for companies with fewer than 20 employees.

WHO QUALIFIES?
Former employees, spouses, former spouses and dependent children are eligible, regardless of their health. There are exceptions: You cannot get COBRA if your employer no longer offers health insurance to current employees. You’re also out of luck if the company goes out of business. Federal employees are covered by a law similar to COBRA.

HOW LONG DOES IT LAST?
COBRA provides up to 18 months of coverage from the time you leave your job or drop to part-time status. The coverage lasts up to 36 months after you no longer qualify as a dependent on an employee’s policy. That includes, for example, a child who reaches the cutoff age for coverage or a former spouse who gets a divorce from the employee.

HOW MUCH DOES IT COST?
Probably more than you expect. You have to pay the employee’s and the employer’s share of the premium — or an average of ,680 for families this year — plus up to 2% in administrative costs. But legislation Congress passed earlier this year provides a 65% COBRA subsidy for up to nine months for people who lose their job between September 1, 2008, and December 31, 2009.

WHO SHOULD TAKE IT?
You can’t be rejected or charged more under COBRA because of your health, so it’s a good deal for people with medical conditions who might otherwise have a tough time finding affordable insurance. But if you’re healthy and live in a state with a competitive health-insurance market (which includes most states other than New York and New Jersey), you may find a better deal on your own. You can search for individual policies at Ehealthinsurance.com.