Question

Describe the differences in the types of health insurance plans from the perspective of an employee.

Answer 1

Below are the different types of health insurance plans from employee perspective.

• Individual health insurance: Individual health insurance plan is the type of insurance that cover health policy only for insured individual. This type of insurance will not cover for the employee family.
• family health insurance: This type of health insurance will covers the insurance policy for the insurance individual as well as for his family members. This include spouse, children, parents.
• senior citizen health insurance: senior citizen insurance is the health insurance policy that is applicable for the insurers who are above certain age limit. Generally above 60 age is considerd as senior citizen. The employee or people who are above 60 year of age can avail the senior citizen health insurances policies.
• Top up health policies: In case of top up health policies, employee can avail health insurance policies as a additional benefits to cover certain disorder or diseases by paying extra money.
• Death or accidental cover policies: individual can avail the benefits from this type of health cover policies when there is sudden death or accident to the insured employees.