What is Health Insurance? Health Insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual /group in which the insurer agrees to provide specified health insurance cover at a particular premium. The health insurer usually provides either direct payment or reimburses the expenses associated with illnesses and injuries. Why do I need Health Insurance? Healthcare is expensive. Technological advances, new procedures and more effective medicines have driven up the cost of healthcare. This increase has to be borne by the consumer making treatment unaffordable for too many. Health Insurance overcomes these obstacles so that you remain free of anxiety regarding your health. Think for a moment about the enormous medical costs you would incur if you suffered a major accident tomorrow or were suddenly stricken by an illness. Uninsured people live with such risks everyday. Health insurance seeks to shield you from that risk. It provides the much needed financial relief. You also get tax benefit under section 88 of the Income Tax Act. Do children need to be insured too? Health Insurance is required for each and every member of the family that is dependent on you. What is the role of Paramount Healthcare? Paramount Healthcare is not an Insurance Company. It works as a TPA (Third Party Administrator) to ensure speedy, transparent processing of your claim. When should I contact Paramount Healthcare? If your health policy copy names Paramount as your TPA, kindly contact our office to register your claim supported by documents related to treatment undertaken. What are the medical expenses covered under my health policy? There are numerous public sector and private sector Insurance companies offering health policies. There are standard policies for individuals and tailor-made policies for groups, the benefits of which vary with each company.

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