Today, we are constantly running to earn money, become a wealthy person and lead a fulfilled life. But in this rat-race, we ignore our health. This negligence takes a toll on our body and the next day we find ourselves in the hospital. With hospitalisation comes the tension of expenses. Thus, to avoid last-minute loan and borrowing money from near & dear ones, people are opting for a health insurance plan.
What is health insurance?
It is a policy that protects you from unforeseen medical costs that you or your family member may require. All insurance compani es offer health insurance in Indi a. They reimburse the medical expenses incurred by you when you fall ill. You also get repayment of the amount in case of surgeries, common diseases, or anything that take you to the hospital.
There are different types of health insurance plan available catering to various segments such as senior citizens, women, minors, family, personal, and others. They are, however, dependent on factors such as age, amount, etc. The mandate for a health insurance scheme is usually 1 year. You can also buy a plan for 2 or 3 years, based on your requirement and budget.
What are the benefits of health insurance in India?
1) Protection: The most significant advantage that you receive by taking up health insurance in India is protection. Apart from safeguarding your body, it also pays your health debts and provides additional benefits like counselling, body check-ups, etc. These other coverages are free of cost.
2) Savings: Many times we have to use our savings and monthly salary to cover our hospitalisation costs. That becomes a burden on our home budget. If you seriously fall ill, the price may seem burdensome. This is where a health insurance plan comes as a saviour. You will get complete treatment, without worry about the expenses.
3) Monetary aid: At the time of emergencies, we generally look up to our family members and friends for some financial help. But the insurance companies offer cashless treatment so that you or your family member get the attention on time. You do not have to wait until the cash accumulates to take care of the urgent situation.
4) Top-up plans: These are like additional covers that you can use to settle the remaining hospital dues once your initial sum exhausts. To avail of the top-up schemes, you have to pay extra premiums. It is better to get them when you apply for your primary health insurance plan.
5) Critical illness: Some health insurance in India also provide coverage for dangerous diseases like cancer, paralysis, kidney-disorder, diabetes and others. The insured is free from the stress of hefty costs. Again, these require you to pay extra premiums.
These are certain benefits that may guide you to opt for the right health insurance plan. Remember, do not compromise on your health.
What is health insurance?
It is a policy that protects you from unforeseen medical costs that you or your family member may require. All insurance compani es offer health insurance in Indi a. They reimburse the medical expenses incurred by you when you fall ill. You also get repayment of the amount in case of surgeries, common diseases, or anything that take you to the hospital.
There are different types of health insurance plan available catering to various segments such as senior citizens, women, minors, family, personal, and others. They are, however, dependent on factors such as age, amount, etc. The mandate for a health insurance scheme is usually 1 year. You can also buy a plan for 2 or 3 years, based on your requirement and budget.
What are the benefits of health insurance in India?
1) Protection: The most significant advantage that you receive by taking up health insurance in India is protection. Apart from safeguarding your body, it also pays your health debts and provides additional benefits like counselling, body check-ups, etc. These other coverages are free of cost.
2) Savings: Many times we have to use our savings and monthly salary to cover our hospitalisation costs. That becomes a burden on our home budget. If you seriously fall ill, the price may seem burdensome. This is where a health insurance plan comes as a saviour. You will get complete treatment, without worry about the expenses.
3) Monetary aid: At the time of emergencies, we generally look up to our family members and friends for some financial help. But the insurance companies offer cashless treatment so that you or your family member get the attention on time. You do not have to wait until the cash accumulates to take care of the urgent situation.
4) Top-up plans: These are like additional covers that you can use to settle the remaining hospital dues once your initial sum exhausts. To avail of the top-up schemes, you have to pay extra premiums. It is better to get them when you apply for your primary health insurance plan.
5) Critical illness: Some health insurance in India also provide coverage for dangerous diseases like cancer, paralysis, kidney-disorder, diabetes and others. The insured is free from the stress of hefty costs. Again, these require you to pay extra premiums.
These are certain benefits that may guide you to opt for the right health insurance plan. Remember, do not compromise on your health.
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