In case of sudden illness, it becomes very difficult to get expensive treatment especially for middle class people. In such a situation, I feel that there is a way, with the help of which we can get complete treatment without feeling financially lacking.
Benefits of health insurance
In view of increasing cases of serious health problems and expensive medical services, it becomes very important to get health insurance. For this you have to pay a certain premium at regular intervals, but you are saved from stress and a lot of financial troubles during medical emergency. That is, you do not have to face financial compulsion to get treatment in an emergency.
Non-paid or cashless treatment facility
If you have health insurance, you do not need to worry to spend money during treatment, because insurance companies have tie-ups with different hospitals. This gives you cashless facility to get your treatment done. That Means, give information about your insurance to the hospital and get your treatment done.
Before and after coverage
The insurance policy covers the period before, during and after the hospitalization and up to 60 days after being discharged from the hospital. It depends on which plan you have taken. That means, precaution should be taken before planning to buy.
Transportation expenses
The insurance policy also covers the rent of the ambulance in bringing the patient to the hospital.
No Claim Bonus (NCB)
A person who has insurance, if he has not filed a claim in the previous year, gets some bonus points.
Free medical checkup
Insurance policies also have the option of health checkup. Many insurance companies also provide health checkup facilities based on your previous NCB. You should take advantage of health checkup, so that you can be safe from any serious disease.
Benefit of tax exemption
The premium paid for health insurance is exempt from tax under Section 80D of the Income Tax Payment Act. You can also get information from the insurance company.
Types of health insurance
Personal Health Insurance:
This policy covers the amount spent on a person who has taken health insurance and the cost of hospitalization. The premium is determined based on the age of the person who is insured.
Family Health Insurance Scheme
In this, all the family members are insured for various diseases under one policy. In this, a fixed amount is determined by the insurance company, which can be used by all the family members or one member.
Senior Citizen Health Insurance Plan
This policy is meant for the elderly or those who are above 60 years of age. It provides protection against various health problems to aged people.
Insurance plan for surgery and critical illnesses
This plan is very suitable for those who need treatment for serious diseases like kidney failure, paralysis, cancer, heart attack etc. Since the treatment of these health problems is very expensive, the premium is also high.
Personal accident insurance
This policy provides protection in the event of an accident. The premium depends on how much amount you want as a cover.
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