Most people are scared to face unwanted circumstances. Everyone wants to stay fit and healthy. Nowadays medical expenses have touched the sky. We all wonder how to drag the burden of medical expenses if any critical situation arises. All we want is to secure our future. The best family health insurance plan in India protects us from unplanned circumstances.
What is health insurance?
An agreement where the insurance firm assures to carry the medical expenditures only if the insured person is hospitalized after going through an unwanted accident.
Many leading hospitals or Nursing homes have contracts with the insurance company. Hence, they provide treatment without money to the person who has Health Insurance. If the person is admitted to a hospital that does not have any contract with the insurance company then the insurance company will provide money of an equivalent amount of the medical expense to the person who has the health insurance.
Many times keeping the safety of people in mind government reduces the taxes so that people can pay for getting Health Insurance.
Significance of Health Insurance
Presentlymedical expenses are so high that people earn money day and night just to finance their medical expenses. The cost of medical treatment especially in private sectors can empty your wallet or it can even make you sell your property to meet the expenditures. It can be the worst situation if the earning member of the house requires medical help. To get rid of all the future estimated tensions you can pay a minimum amount of annual premium to get health insurance from the insurance company. A Health Insurance package of good quality will cover the specialist’s consultation costs and ambulance expenses and hospital expenditures etc.
Various Health Insurance
- Personal Health protection:- Personal Health Insurance is an agreement that ensures the company will carry the medical expenditure of an individual who has taken this insurance.
- Insurance policy for the family:- In this plan insurance company guarantee to carry the medical expense of the entire family of an individual who has taken this policy.
- Insurance for aged citizens:- This policy guarantees that the insurance company will cover the medical expenditure of a person over 60 years.
- Insurance for would-be mothers:-This policy is for the women who are at the doorstep of motherhood. This agreement guarantees that the insurance company is going to cover all the medical expenses during the maternity period including the ambulance charges.
Who can take health insurance?
A mandatory physical check-up is not required for people under the age of 45 to get Health Insurance in India. Though you have to inform clearly about your physical conditions like diabetes or blood pressure. It is always advisable to take health insurance before the 40s so that you pay a less annual amount of premium.
What do you need to get health protection?
You need to show some specific legal documents to the insurance company before getting the policy you desire. Here are some documents that you need to show
- Age confirmation
- Address evidence
- Passport size photograph
- Medical certificate(if requires)
The usefulness of Health Insurance.
- Unplanned treatment without cash:- Many times wecome across a situation where we need to spend a huge amount of money to pay the medical expenditures and if the situation is unplannedthen it can be great devastation for you. You can be free from these tensions if you get a good policy for yourself so that during the policy period you can have unanticipated treatments without money.
- Vehicles charges:- If you get good health insurance from an established company then it may benefit you with the coverage of conveyance costs like the indictments of an ambulance etc.
- Free check-up:- Depending upon your policy’s quality you may receive a free regular check-up from a hospital as a gratuity if you have not claimed any medical indictments in the previous year.
- Help you to rent your house:- It may sound impossible but in reality, if you get a policy from an established company then your insurance policy may cover the rent of your house.
- More benefits:- If you get your health insurance done from an established company then it may benefit you with some amount of money at the end of the year if you have not contended any medical charges from the company.
Some Health Insurance can cover your medical expenses for 60 days after your hospitalization if you have an upgraded insurance policy.
The amount of money you are paying for the premium is tariff deductible.
To safeguard yourself from the future estimated problem you need to choose the right plan for you and your family. You should get your health insurance done from Care Health Insurance because this company cares about you and your family’s future. Care Health Insurance will provide you with numerous beneficial policies so that you don’t waste your present days fearing unwanted circumstances in the future.