Health problems can arise at any time and without warning. Hospital treatment, medicines, tests, and surgeries are becoming very costly. One serious illness or accident can disturb your savings and create financial stress. Health insurance protects you and your family from these high medical expenses and gives you strong financial support when you need it the most. It works like a safety net for your health and money. You pay a small fixed amount called a premium to an insurance company at regular intervals (yearly or monthly). In return, the insurance company agrees to take care of your medical expenses when you fall sick or meet with an accident.
At Vitara Capital, we help you select the ideal insurance plan tailored to your age, family size, health needs, and budget. We work with trusted insurance companies to provide reliable and affordable health insurance solutions. Our goal is to make health insurance easy to understand, easy to buy, and easy to use.
Types of Health Insurance Plans
Individual Health Insurance
An individual insurance plan covers one person under a single policy. It provides coverage for hospitalization, doctor consultations, surgeries, medicines, and diagnostic tests. This plan is ideal for people who want personal medical insurance based on their health condition and lifestyle. The premium of an individual health insurance policy depends on age, medical history, and the chosen sum insured.
Family Floater Insurance
This insurance plan covers the entire family under one policy with a shared sum insured. It usually includes a spouse, children, and sometimes parents. Family floater policies are more cost-effective and easier to manage than multiple individual plans. This type of insurance is suitable for young families looking for affordable and complete medical coverage.
Senior Citizen Medical Insurance
These health insurance plans are specially designed for people aged 60 years and above. These policies focus on age-related medical needs and usually cover pre-existing diseases, hospitalization expenses, and regular treatments. A senior citizen medical insurance plan helps protect retirement savings and ensures access to quality healthcare.
Critical Sickness Insurance
A critical illness insurance plan provides a lump-sum payout if the policyholder is diagnosed with serious illnesses such as cancer, heart attack, stroke, or kidney failure. This amount can be used for treatment, recovery, or household expenses. Critical illness cover can be purchased as a separate policy or as a rider with an insurance plan.
Group Health Insurance
Employers and organizations offer these plans to provide medical coverage to their employees or members. These plans usually include hospitalization cover, maternity benefits, and daycare treatments. Many group insurance policies also provide faster coverage for pre-existing conditions, making them highly beneficial for working professionals.
Top-Up Insurance Plan
A top-up insurance plan offers additional medical coverage over an existing insurance policy. It provides additional coverage after you exhaust the sum insured of your main policy. Top-up plans are an affordable way to increase your total insurance coverage and manage high hospital bills.
