Choosing the right health insurance can feel overwhelming, but it's a critical step to safeguard your financial future and is more important than even life insurance. At Abhiyaan Wealth, we help you select the best health insurance option tailored to your needs. From coverage for hospitalization and medical expenses to cashless treatment, we ensure you have the right protection for you and your family.

Checklist for Choosing the Right Health Insurance

Before selecting your health insurance plan, here are key factors you should consider:

• Coverage: Ensure the policy covers hospitalization, day-care procedures (such as cataract / ligament tear - procedure under 24 hours of hospitalization), and critical illness.
• Waiting Period: Check for waiting periods, especially for pre-existing conditions.
• Network Hospitals: Verify if the insurance provider has a cashless network of hospitals that you prefer.
• Room Rent Limits: Ensure that room rent capping won’t restrict your hospital choices.
• No-Claim Bonus: Look for policies that reward you for staying healthy.
• Co-payment Clause: Understand the percentage you need to pay in case of hospitalization. Prefer a No “co-pay” / “sub-limit” clause in policy - particular disease/ room rent/ treatment.
• Exclusions: Be clear on what's not covered under the policy.

Term life insurance is one of the simplest, yet most essential tools for securing your family’s financial future. At Abhiyaan Wealth, we help you choose the best term insurance policy based on your unique needs. With a term plan, you ensure that your loved ones are financially protected in case of any unforeseen events.

Checklist for Choosing the Right Term Insurance

Before selecting your term insurance, consider these essential factors:

• Coverage Amount: Ensure the sum assured will cover your family’s needs, debts, and future expenses.
• Policy Tenure: Choose a term that aligns with your financial goals and life stage.
• Claim Settlement Ratio: Check the insurer's claim settlement ratio to ensure hassle-free payouts.
• Riders: Consider additional riders like critical illness or accidental death for enhanced protection.
• Premiums: Choose a premium you can afford while maintaining adequate coverage.
• Flexibility: Look for plans that offer flexibility in increasing coverage or converting policies in the future.
• Exclusions: Understand what is not covered under the plan.