Good health is the key to a happy and successful life. But with a hectic and stressful schedule and unhealthy lifestyle most individuals are not very fit. One often avoids dealing with they own health issues. Considering all these factors, it becomes essential that one has health insurance as it is as basic as having a bank account or being educated.
Hospital bills for very minor to major ailments can put a strain on one’s finance. Sometimes medical bills hamper the savings of an individual. Getting quality and timely treatment for cure can also become a major problem due to lack of finances. All these problems can be easily solved by having a health insurance.
Having a health insurance will assure that an individual and his loved ones have access to quality healthcare in case anyone suffers from an ailment at any given point of time. A health insurance covers medical bills and in lieu of this one is required to pay an annual premium. The sum depends on the health condition of the insured while the policy is made, the total amount of coverage provided and the scheme that the individual opts for. The following expenses are usually covered under a regular health insurance scheme:
• Pathological tests and other investigations prior to hospitalization
• Ambulance costs
• All hospital costs including room charges, consultation fees, charges for various procedures performed, cost of medicines, charges for medical tests and investigations including blood tests, scans and any other form of diagnostic tests.
• Charges incurred post-hospitalization for recovery of the insured individual, which includes cost incurred for investigations, medicines, procedures including physiotherapy and other such treatment usually for up to two months post-hospitalization.
With healthcare becoming more and more expensive each day, hospitalization may cost a person a few lakhs and this may severely affect their savings and may even lead to debt. This will negatively affect one’s financial condition. Here the role of health insurance becomes important. By paying a given sum to the insurance company every year one can ensure that when they fall sick and require hospitalization their medical bills are taken care of by the health insurance company.
In fact, there are many health insurance schemes that provide cashless benefits to their insured customers. These companies have direct tie-ups with several hospitals and so the company pays the bills without one requiring to spend even a rupee to clear the hospital dues.
Based on the benefits mentioned above one must consider getting a health insurance if they do not already have one.
Hospital bills for very minor to major ailments can put a strain on one’s finance. Sometimes medical bills hamper the savings of an individual. Getting quality and timely treatment for cure can also become a major problem due to lack of finances. All these problems can be easily solved by having a health insurance.
Having a health insurance will assure that an individual and his loved ones have access to quality healthcare in case anyone suffers from an ailment at any given point of time. A health insurance covers medical bills and in lieu of this one is required to pay an annual premium. The sum depends on the health condition of the insured while the policy is made, the total amount of coverage provided and the scheme that the individual opts for. The following expenses are usually covered under a regular health insurance scheme:
• Pathological tests and other investigations prior to hospitalization
• Ambulance costs
• All hospital costs including room charges, consultation fees, charges for various procedures performed, cost of medicines, charges for medical tests and investigations including blood tests, scans and any other form of diagnostic tests.
• Charges incurred post-hospitalization for recovery of the insured individual, which includes cost incurred for investigations, medicines, procedures including physiotherapy and other such treatment usually for up to two months post-hospitalization.
With healthcare becoming more and more expensive each day, hospitalization may cost a person a few lakhs and this may severely affect their savings and may even lead to debt. This will negatively affect one’s financial condition. Here the role of health insurance becomes important. By paying a given sum to the insurance company every year one can ensure that when they fall sick and require hospitalization their medical bills are taken care of by the health insurance company.
In fact, there are many health insurance schemes that provide cashless benefits to their insured customers. These companies have direct tie-ups with several hospitals and so the company pays the bills without one requiring to spend even a rupee to clear the hospital dues.
Based on the benefits mentioned above one must consider getting a health insurance if they do not already have one.
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