Every person should cover himself with certain health insurance plan from health insurance provider as the plan will give lots of other benefits to the insured than only giving coverage.
Indian Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. Generally, Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments.
Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support. It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger. Health is wealth and no doubt freaking for being healthy and fit is become a mania now-a-days; after advanced technologies and lifestyle people get affected easily.
People are now-a-days fell ill often and pay a huge amount of money to get rid of that illness, for treatment n good hospitals etc. but spending so much for treatment is not a matter of joke as everyone has not that capability. Health Insurance Policies in today’s scenario works as a support system, but still people should take care of themselves to prevent serious illness. Though there are various terms and policies in every health insurance policy and various companies provide various additional benefits to their customer.
Advantages of Health Insurance in India: Buying a health insurance is now a need for people as per the fast paced life so it is both a requirement and compulsion with many features. Here are some features of health insurance policies to provide umpteen benefits:
The first and most important benefit of having a health insurance of India is to protect your body and health as it acts both as a savior in case of paying hospital debts. But many insurance plans offer medical or health check-up and counseling facilities which are important to be peaceful for both mental and emotional health. Besides that, if anyone gets this absolutely free of cost then it will come along with extra coverage’s under a health insurance.
Right use of savings:
A health insurance plan is merely a burden on the household budget though saving money to give premiums from salary is a little hectic process but it will give the health insurance benefits every year. And if anyone fails ill and gets hospitalized, this health insurance policy will help to pay the bills till the person gets well.
Increasing health costs covered:
Advanced technological facilities now-a-days provide people with better benefits and facilities but it also raises the price that sometimes stops people to get best facilities. Hence buying a health insurance plan with a good amount of sum insured will help to get right medical treatment as the insurance company will help the insured to get the medical care by taking care of expenses.
There is not enough money always like in hard cash or in the bank while the medical emergencies come, in this moment a health insurance plan can only help a person to get some more time during the tenure of hospitalization to fix the dues. If the patient party at first make the payment on their own, later the money will be get back from the plan.
Monetary Aid in Times of Urgencies:
After hospitalization done, the cashless treatment facility will be given by the insurance companies for getting right medical treatment on time.
No claim bonus:
Insured person may not claim their benefits every year but it will transfer into a no claim bonus when the claim is not happen in a year and the benefit will add with other bonuses at the end of the year.
Top up plans is like additional covers that can avail more facility and settle remaining dues with the hospital.
Critical Illness rider:
A health insurance policy also provides coverage against critical medical sicknesses such as cancer, heart-attack, paralysis, kidney disorders and many more that need heavy on-going treatments. The policy will helps financial aid from the start of diagnosis till the end.