Dilzer Consultants - Investments and Financial Planning

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How much health insurance does one need

 Health Insurance takes care of the financial backup needed in case of medical issues and emergencies. It helps to save money on various expenses incurred from hospitalization and other Out Patient Department expenses. It is a must to have a health insurance plan in place to ensure that financial independence does not come in the way of treatment of any illness, however critical it is. Table depicting the relevance of Family Floater and Individual Plan (Source :http://economictimes.indiatimes.com/wealth/insure/how-to-choose-the-best-health-insurance-policy/articleshow/49514375.cms)    How Much Health Insurance […]

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Difference between Critical Illness and Health Cover

Arvind was in a state of shock when his father got a paralytic attack, but he was shattered to know when his health insurer told him that only hospitalization charges would be paid and rest has to be bear by him. Arvind who was already going through emotional turmoil now had to look for alternate measures to bear the cost of the treatment.  Are you also under the same spell that all diseases are covered under your health plan? Think […]

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Family Floater or Individual Mediclaim – Which one to opt for?

  Kulkarni wanted to buy a health insurance plan, when he called a couple of insurance guys he was asked the same question – Sir are you looking for Family Floater or an Individual Mediclaim policy?  Are you also in the same dilemma? All insurers offer two variations to its health insurance products – Family Floater and Individual mediclaim. But each of them has their pros and cons. So let’s quickly dive into what when and why of these two, […]

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What are Top Up Plans and how can they help cover medical expenses at lower costs

Health is not valued till sickness comes. Thomas Fuller The meaning of the above expression is best understood when we fall sick or get diagnosed with a disease. The benefits of getting a health cover is best understood when the resulting hospitalization and medical expenses create a big hole in our pockets. In India, health insurance penetration is just 5-6%. Most people depend on the employer provided group health insurance for their hospitalization and other expenses. One of the mainreasons […]

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