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Health occupies prime position in our life. Every human being should seek personal health care cover to avail the quality health care, when required. Many people in India are deprived of quality care, just because of high expenses involved and this has brought a revolution in the health insurance sector. Numerous health insurance companies have emerged with their innovative products to give security against health risks. 
All of us can select the plan and insurance company after taking a close look at the services offered. The insurance providers have formulated variety of health insurance plans for our benefit. They are ready to provide coverage against all sorts of health risks. Today, health insurance sector gives us the option of acquiring insurance coverage in the form of health insurance in general, travel insurance and accident insurance.
Policies are available in the format of individual, family, group and senior health insurance. They offer rich variety allowing us to make the choice as per the need. Plans provide comprehensive coverage at affordable insurance premium. Pertaining to the personal pocket size all of us can choose to invest in the insurance policy of choice. 
Innumerable health insurance policies have been formulated for people across the country. With the privatization of health insurance companies, several private companies have stepped into this sector. HDFC Ergo Health Insurance Ltd. (formerly Apollo Munich Health Insurance) is one of the pure health insurers. Keeping a track of changing health care needs, it devises plans that can fulfill maximum of those health care needs. All its customer friendly plans are ready to serve customers with comprehensive and beneficial coverage. 
The tailor-made products of HDFC Ergo Health (formerly Apollo Munich) have become the choice of millions. One of these plans that have gained fame amongst the masses for personal health care is our Easy Health Plan. It protects the policyholder against increasing medical costs. In addition to it, it also provides cover against critical illness of an insured.
This Easy Health Individual Plan is available in three variants:-
  • Premium
  • Exclusive
  • Standard
Depending upon the variant opted, the range of coverage may be from Rs. 1,00,000 to Rs. 10,00,000. This personal health care plan pays for inpatient hospitalization and is designed to cover diagnostic procedure expenses, boarding and lodging, anesthesia, surgical appliance, intensive care unit, operation theater, cost of prosthetic and other equipments and devices, if implanted internally during surgical operation, medical practitioner charges, drugs, and medical as per the policy terms and conditions. Along with it, it also entitle you the facility of Cashless Hospitalization, Day-Care procedures, optional Critical Illness for eight diseases and many others. In addition to that, Easy Health can be acquired for individual or for family coverage. 
In the like manner, HDFC Ergo Health Insurance Ltd. (formerly Apollo Munich Health Insurance) has plans like Optima Restore for personal health care. Weaving along the unique health care benefits, this plan insures the individual with first of its kind benefit like Restore Benefit and Multiplier Benefit. The plan comes in the sum insured range of 3 lakh to 15 lakh. It is an easy to understand policy that comes with a promise of comprehensive and quality coverage without any compromise of any kind. 
There are other plans like Insure Health, Optima Plus, Optima Cash, Individual Accident Health Insurance plan and Optima Senior. This variety of health care products allow people of all age groups to find a shelter under health insurance coverage. They look after the personal health care needs as and when required by the insured. 
However, all buyers are suggested to keep the focus on personal health care needs while choosing health insurance policy for self. In case of a family health insurance plan, the buyer need to consider the facts like present health status, age and number of members to be insured in the plan. Also in case of any pre-existing illness, all policy terms must be understood as it will affect the coverage offered. Clear understanding all the covered and uncovered benefits is extremely important. 
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