How to choose the plan that best fits your needs?

This section will help you decide which health insurance plan is suitable for you.

Guard	Safety	Necessity
Our leading medical insurance plan offers the most extensive coverage for your medical needs. Benefits for maternity are provided after a 12 month waiting period.	An ideal plan, providing comprehensive coverage for your medical needs. This plan provides benefits for both inpatient (in hospital) and outpatient treatments.	The ultimate medical insurance plan for those who want to be covered for emergency accidents and injuries that require hospitalization. The plan provides inpatient (in hospital) benefits only.

Step 1 - Decision making factors

Before you compare the benefits of the different plans, please consider the following decision making factors:

Both Safety and Guard plans offer you comprehensive coverage for your medical needs. The Guard plan offers a lower deductible ($50), lower co-insurance (10%) higher lifetime Medical Expenses benefits ($1,000,000) as well as coverage for maternity. These plans cover from simple incidents like flu, stomach viruses and a broken leg to a serious accident or injury.
If you need coverage for maternity select the Guard plan.
If you rarely visit the doctor, want coverage for emergency cases, and are prepared to settle for benefits in hospital only - go for the Necessity plan.

Step 2 - Compare benefits

Look at the summary schedule of benefits and compare the benefits each plan offers.

Step 3 - Compare monthly rates

Compare the monthly rates, sometimes called 'premium', of each insurance plan for your age group.

Step 4 - Compare your expected out-of-pocket expenses

Compare your expected out-of-pocket expenses for the following cases: You are responsible to pay the deductible ($50/$90/$100) and then co-insurance (10%/20%/20%) up to $20,000 maximum.

		Guard		Safety		Necessity
	Total medical bills	You pay	Insurance pays	You pay	Insurance pays	You pay	Insurance pays
1 doctor visits	$100	$50+$7.50	$42.50	$90+$10	$40	$100	Not covered
Hospitalization	$3,000	$50+$297.50	$2,652.50	$90+$590	$2,320	$100+$580	$2,320
Major Event 1	$20,000	$50+$1,997.50	$17,952.50	$90+$3,990	$15,920	$100+$3,980	$15,920
Major Event 2	$50,000	$50+$1,997.50	$47,952.50	$90+$3,990	$45,920	$100+$3,980	$45,920

This illustration is based on Reasonable & Customary charges while using the PPO

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