Health Insurance In today’s time, it is very important to have health insurance to secure yourself. It saves from many medical expenses. But you need to take care of many things while taking health insurance.
In today’s time many expenses are increasing. Medical expenses are also included in these expenses. In such a situation, health insurance is a very good option. Think of it as if a person had a broken bone in his hand in a road accident, but when he reached the hospital, he came to know that he also had a hairline fracture in his head. So in such a situation, the cost of treatment can be two to three lakh rupees. If that person does not have health insurance, then he will have to pay all these expenses from his own pocket.
Many people consider taking mediclaim or health insurance as a waste of money, which is wrong. Many times a person has health insurance, but is unable to use it while at work. The biggest reason for this is that there are many types of health insurance. Their coverage is of different types. In such a situation, we should take care before taking any health insurance.
Why is health insurance necessary?
According to the statistics of the Central Health Department, in 80 percent of medical emergencies, the situation worsens due to the problem of money. In any accident or disease, money is not spent only on treatment, but even after treatment, a lot of money is spent. In such a situation, health insurance proves to be very helpful.
If you have health insurance , then you can avail many types of medical services. Health insurance covers hospitalization, surgery and medicines etc. Health insurance helps you meet your medical expenses. Many health insurance is available through the company, then you can take many insurance yourself. Health insurance plans of each company are different. In such a situation, you should be careful before taking any health insurance.
You should take special care of some things before taking health insurance
- You should take care of the coverage before taking any health insurance. You can get a health cover of Rs 5 to 7 lakhs every year after paying a fixed premium. You must pay attention to the fact that for how many rupees premium you are getting cover for how many diseases.
- Before taking a health plan, read and understand its terms carefully. You should never rely on just one company. You compare other company on online site.
- While buying a health policy, you should understand each and every clause of it. After that you should pay the premium. You should buy a plan only after knowing about the rules of the company in case of critical illness, pre-existing illness and accident.
- In the case of investment, it is said that the earlier the investment starts, the bigger the wealth helps. On the other hand, in the case of health cover, it is said that the earlier you take the cover, the less premium you will have to pay later. Suppose you take health cover before the age of 40 years, then you can get more benefits without any conditions. Along with this, you also get the benefit of No Claim Bonus by renewing every year.
- While taking health insurance, you should give correct information about your medical records to the company. If you give any wrong information, then the health insurance company can refuse to give you the claim. In such a situation, you may also face problems during the treatment.
- While taking medical insurance, you must see what facilities you are getting. Some plans do not cover certain things. Every health insurance company has its own rules and they design the policy according to those rules. In some policies, the cover of serious diseases can be taken under the rider, while in some diseases these facilities are not provided.
