Medical cover from a health insurance company may be an additional cover for you but it is not a complete health insurance policy for you. There are many types of facilities available in a health insurance policy. Like pre-post hospitalization cashless hospitalization more cover etc.
Brand Desk. To make our life easier and better, we plan for the future. We save and invest for children’s education, marriage and our own retirement. After our departure, no one in the family should face any problem, so we get our life insured. Similarly, in case of medical emergency, we take health insurance.
The corona pandemic has well explained to us that a medical emergency can come at any time, and when a person is admitted to the hospital, the rising cost of beds and medicines add to his discomfort. In such a situation, the importance of health insurance ie health insurance policy increases here. Let us know what is the importance of a health insurance policy for an individual.
changing lifestyle
With the passage of time, the lifestyle of the people has changed a lot. With the advent of computers and the Internet, the way we work has changed. We sit on the same seat for many hours, due to which disease is arising in the body.
Apart from this, stressful work, excessive fast food consumption and increasing pollution have also given rise to many diseases in the body. No one knows when the body will be filled with diseases, so it is very important to take care of your health.
Also, a health insurance policy can be very beneficial in case of a medical emergency, as it allows you to get better treatment at the right time.
Medical cover from the company is not enough
The medical cover provided by the company may be an additional cover for you, but it is not a complete health insurance policy for you.
Many types of facilities are available in a health insurance policy like pre-post hospitalization, cashless hospitalization, more cover for a longer period, etc. Such facilities are rarely seen in the medical cover provided by the company.
In this, you get very little medical cover, and its validity is also as long as you are in the company. The validity also ends after leaving the company.
Hospital and medicines expenses are very high
It is said that a person who visits the hospital ends his total deposit. Hospitalization and surgery costs are increasing rapidly.
In today’s time, the cost of hospital, medicines and medical has increased so much that your savings will also be less. If you or your family gets health insurance, you can save your hard earned money to a great extent.
Because in case of medical emergency or any illness, the cost of your surgery, medicines and hospitals will be borne by the insurance company.
Health insurance policy necessary in critical illnesses
Early tests in serious diseases are very expensive. Apart from this, the patient also has to bear the OPD charges and ambulance expenses
You can bear the expenses of minor diseases, but when it comes to major or serious diseases, the importance of health insurance policy increases here. The advantage of this is that in case of hospitalization, almost all the expenses are covered in it.
tax exemption
Health insurance policies not only provide health cover but also provide many other benefits
If you are in the income group who have to pay some part of their income as tax to the government, then you can get tax exemption under Income Tax Act 80D through health insurance policy. How much tax exemption will be available will depend on the premium paid for your health insurance policy.
