Health Insurance
I have health insurance from my office. Do I still need a personal health policy?
Yes, and here’s why:
- Job-change risk: Office policy ends when you leave
- Limited coverage: Group plans often have lower sum insured
- Family coverage: Your parents/spouse may not be included
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What's the difference between individual and family floater health insurance?
Individual policy
Separate sum insured for each person
- Higher total coverage per person
- Slightly more expensive
- Slightly more expensive
Family floater
One sum insured shared by the entire family
- More affordable premium
- One large claim can reduce available cover for others
- Easier to manage under a single policy
How do cashless treatments work? Is it really hassle-free?
Cashless is pretty smooth when done right:
01
Choose network hospital
Check insurer’s hospital list
02
Show insurance card
At admission counter
03
Pre-authorization approval
Hospital gets insurer’s OK
04
Get treatment
Pay only for non-covered items
05
Walk out
No bill payment, no reimbursement hassle
What should I look for when buying health insurance?
Essential checklist:
- Sum insured: At least ₹5-10 lakhs for family
- Network hospitals: Good hospitals near your home/office
- Claim settlement ratio: Above 90% is good
- Room rent limit: Should match good hospitals in your city
- Co-payment: Lower is better (or none)
- Pre-existing disease coverage: 2-3 year waiting period is standard
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We are availing the services of AIMS for our company’s insurance needs and have found their service to be reliable and professional. Their support and responsiveness make them a trusted partner for our insurance requirements.
Maya George
I had a great experience with AIMS. The team was very easy to work with. They gave us all the information we needed to make the right choice for health insurance that suited our needs the most.
Maya Gopi
I had a great experience with the service at AIMS Thrissur branch. I have no words to express my appreciation for the staff at this branch. The entire team operates with professionalism.
Farhan
A very prompt and really helpful broking team. Their Kochi office was very helpful and supportive in all my insurance needs…I strongly recommend their service for any type of insurance needs.
Rithu
While dealing with AIMS Cochin office for the settlement of my claim, i really impressed with the service provided by the team in that office especially the staff Ms Renya who was attending my claim.