Insurance is nothing but risk protection, in the same way health insurance is the pure protection of one’s health. It is grouped under Life insurance. It is being provided by most of the insurance companies in India. Similar to Term policy this one also pure risk protection, if you get any disease it can be used or else this policy will be of no use, let us see how this is very essential in today’s world.
Need for Health or medical Insurance
If we keep ourselves in good health condition, one may presume no need of this policy, but you may not know the daily risk which may result in serious injuries all of a sudden. The increase in medical inflation may not be known to you unless someone close to has been cured for any ailment. Medical inflation is very rapid and Government has not stepped in to reduce it or provide an alternate for this. It had increased and continuously increasing at a rate of 15 to 20%. Therefore it is best to keep this policy as a friend. Even a close friend may not be able to help you with the money during his difficult times, but this friend i.e health insurance will be of great help which will help you in getting out of hospital easily.
Whether you agree or not, our food habits had changed tremendously from what we have been having to what we have been offered nowadays. It is just that we have been running in fast lane from Monday to Friday and we just grab the food half heartedly in the run to office and gorge food rapidly in the half an hour gap for lunch to work again. Not to miss the dinner parties and office lunches were we show who we are in having sumptuous meal. This irregular food habits will show us the world of medicines to have in our mid thirties. Our parent had started taking the medicines from their fifties and sixties but we have been getting to the world of hypertension and diabetes right from thirties and some even in early twenties. These two are serious threats which may lead you to other medical complications easily. Are you saying you are healthy inspite of having this lifestyle, hold on as you may not how your body will behave once the breakeven point is reached?
This is not to frighten you and make you seriously ill, it is just to make you understand how serious medical complications may be if not attended on time.
Benefits of health insurance
- Most of the insurance companies offer 24 hour day care treatment also which will be of great help.
- Ambulance cover is provided nowadays
- Second opinion can be sought if we have doubt with the first medical checkup as it may help in unwanted spending.
- Pre natal and post natal hospitalization cover is provided.
- Room rent, doctor fees, surgery fees, medical bills etc will be covered with this single policy.
- In some of the companies free medical checkup is allowed once in a year as add on benefit.
- A two year policy will have a reduced premium and protect you from increase in price of premium due to inflation.
Even day care treatments are accepted in many of the policies based on doctor’s advice as many of the laser surgery are getting completed within hours and people are asked to leave hospital immediately.
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