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General insurance protects you and your assets from the financial risk of something going wrong.
It can’t stop something happening, but if something unexpected does happen that is covered by your policy it means you won’t have to pay the full cost of a loss.
Personal health or the health of a family member is your first priority. If you are physically fit and think that a health cover is not worth it, you must think again.
A healthy individual can fall prey to diseases that require costly treatment anytime.
Hospitalisation and treatment costs for every possibility are increasing and are expected to remain so for now. In such a scenario, Individual health insurance plans are offered by all insurance companies to ensure health security to each and every person.
What You Need To Know
Your policy can include any or all of the options below.
Call us to discuss what coverage is best for you.
Tax Benefits
Apart from providing you with health security, a medical insurance plan can help you to save your taxes under Section 80D of the Income Tax Act.
According to the Income Tax Laws of 2015-2016, the premiums paid for the health policies of your parents are also admissible to reduce your tax liability.
However, the amount of deduction depends on the age of the member who is medically insured, and his policy premium being taken into account.
Health Check Benefit
Barely 25% of policy holders ever use this benefit. Your individual health plan provides for a free health check once every four years.
The process of application may vary from one insurer to another, but one thing remains the same – the test results do not impact your current policy premiums.
The new results will only be considered if you want to increase your sum insured or purchase a new health plan.
Tax Benefits
Apart from providing you with health security, a medical insurance plan can help you to save your taxes under Section 80D of the Income Tax Act.
According to the Income Tax Laws of 2015-2016, the premiums paid for the health policies of your parents are also admissible to reduce your tax liability.
However, the amount of deduction depends on the age of the member who is medically insured, and his policy premium being taken into account.
Health Check Benefit
Barely 25% of policy holders ever use this benefit. Your individual health plan provides for a free health check once every four years.
The process of application may vary from one insurer to another, but one thing remains the same – the test results do not impact your current policy premiums.
The new results will only be considered if you want to increase your sum insured or purchase a new health plan.
No-Claims Bonus
It is not every year that you need to avail the benefits of your health cover, until and unless you suffer from certain major diseases like cancer.
In such a case, a no-claims bonus can be availed leading to annual advantages.
A no-claim bonus refers to the benefits you can avail during the renewal of your policy if you have not made a claim in the previous year.
Based on this, most insurers will assure to increase the total sum assured of your health plan or offer discount in the premium costs.
Top-Ups And Super Top-Ups
You can add to your total sum insured by top-ups and super top-up schemes.
A top-up plan is an extra sum insured that will pay the expenses of a single hospitalisation if it crosses the base limit.
A super top-up is an amount over and above the base policy that can be availed multiple times in a year to cover the increased requirement as a result of inflation.
No-Claims Bonus
It is not every year that you need to avail the benefits of your health cover, until and unless you suffer from certain major diseases like cancer.
In such a case, a no-claims bonus can be availed leading to annual advantages.
A no-claim bonus refers to the benefits you can avail during the renewal of your policy if you have not made a claim in the previous year.
Based on this, most insurers will assure to increase the total sum assured of your health plan or offer discount in the premium costs.
Top-Ups And Super Top-Ups
You can add to your total sum insured by top-ups and super top-up schemes.
A top-up plan is an extra sum insured that will pay the expenses of a single hospitalisation if it crosses the base limit.
A super top-up is an amount over and above the base policy that can be availed multiple times in a year to cover the increased requirement as a result of inflation.
Individual & Group Health Care Benefits
Both, individual health insurance and group insurance aim at providing customers with the same goal which is financial cushion during medical emergencies.
While both the plans offer the basic coverage, however, many are not aware of the nuances pertaining to group and health insurance.
Benefits
Here’s a summary outlining the advantages of individual health insurance.
Bodily Injury Liability
Property Damage Liability
Bodily Injury Liability
Property Damage Liability
Roadside Assistance
Medical Payments Coverage Or Personal Injury Protection
Roadside Assistance
Medical Payments Coverage Or Personal Injury Protection
Medicare
When you’re enrolled in Medicare, you’ll get your red, white, and blue Medicare card in the mail. If you’re automatically enrolled, you’ll get your red, white, and blue Medicare card in the mail 3 months before your 65th birthday or your 25th month of getting disability benefits.
Your Medicare card shows that you have Medicare health insurance. It shows whether you have Part A (listed as HOSPITAL), Part B (listed as MEDICAL), or both, and the date your coverage begins.
If you have Original Medicare, you’ll use it to get your Medicare-covered services. If you join a Medicare Advantage Plan or other Medicare health plan, in most cases, you’ll use your plan’s card to get your Medicare-covered services.
You can get all of the Medicare-covered services in this section if you have both Part A and Part B.
What Medicare Covers
Medicare covers many health services, including inpatient and outpatient hospital care, physician services, and prescription drugs. Medicare benefits are organized and paid for in different ways.
Part A
Covers inpatient hospital stays, skilled nursing facility (SNF) stays, some home health visits, and hospice care.
Part A benefits are subject to a deductible ($1,364 per benefit period in 2019). Part A also requires coinsurance for extended inpatient hospital and SNF stays.
Part B
Covers physician visits, outpatient services, preventive services, and some home health visits. Many Part B benefits are subject to a deductible ($185 in 2019), and, typically, coinsurance of 20 percent.
No coinsurance or deductible is charged for an annual wellness visit or for preventive services that are rated ‘A’ or ‘B’ by the U.S. Preventive Services Task Force, such as mammography or prostate cancer screenings.
Part A
Covers inpatient hospital stays, skilled nursing facility (SNF) stays, some home health visits, and hospice care.
Part A benefits are subject to a deductible ($1,364 per benefit period in 2019). Part A also requires coinsurance for extended inpatient hospital and SNF stays.
Part B
Covers physician visits, outpatient services, preventive services, and some home health visits. Many Part B benefits are subject to a deductible ($185 in 2019), and, typically, coinsurance of 20 percent.
No coinsurance or deductible is charged for an annual wellness visit or for preventive services that are rated ‘A’ or ‘B’ by the U.S. Preventive Services Task Force, such as mammography or prostate cancer screenings.
Part C
Refers to the Medicare Advantage program, through which beneficiaries can enroll in a private health plan, such as a health maintenance organization (HMO) or preferred provider organization (PPO), and receive all Medicare-covered Part A and Part B benefits and typically also Part D benefits.
Enrollment in Medicare Advantage plans has grown over time, with more than 20 million beneficiaries enrolled in Medicare Advantage in 2018, or 34 percent of all Medicare beneficiaries
Part C
Refers to the Medicare Advantage program, through which beneficiaries can enroll in a private health plan, such as a health maintenance organization (HMO) or preferred provider organization (PPO), and receive all Medicare-covered Part A and Part B benefits and typically also Part D benefits.
Enrollment in Medicare Advantage plans has grown over time, with more than 20 million beneficiaries enrolled in Medicare Advantage in 2018, or 34 percent of all Medicare beneficiaries
Dental, Vision Short & Long Term Disability
Tobin Insurance helps employers offer a comprehensive array of health-related benefits to help attract and retain the most qualified employees.
Quality dental coverage is more than an employee benefit—it’s an investment in total health that can boost an individual’s productivity and lower overall health care costs.
Research now shows that periodontal disease may be linked to chronic diseases such as diabetes and heart disease and other conditions.
Routine dental care can positively affect treatment of these conditions through early identification and control of infections in the mouth, which can improve both oral health and overall health.
Some Of The Primary Items Covered Include
Your policy can include any or all of the options below.
Call us to discuss what coverage is best for you.
Oral Exams And Cleanings
Dental X-Rays
Extractions, Fillings, Oral Surgery
Periodontal And Endodontic Treatment
Installation, Replacement And Repair Of Dentures And Fixed Bridgework
Inlays, Gold Fillings And Crowns
Oral Exams And Cleanings
Dental X-Rays
Extractions, Fillings, Oral Surgery
Periodontal And Endodontic Treatment
Installation, Replacement And Repair Of Dentures And Fixed Bridgework
Inlays, Gold Fillings And Crowns
Eye Exams
Lenses And Frames
Eye Exams
Lenses And Frames
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2651 West Guadalupe Road, #110, Mesa, Arizona 85202
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