Wednesday, 1 May 2019

Why Taking a Health Insurance is Necessary

Health is wealth and we all need to take proper care of our health and the health of our family members. Since medical expenses are too high these days and the common man finds it too difficult to spend that huge amount on medical bills, health insurance is of great help.

With the ever-increasing health care costs, most people are finding it unaffordable.
Then today's hectic lifestyle, stress all adds up to health problems.



No one plans to get ill or hurt but everyone needs medical care at some point or other in their life.
Health insurance covers these costs and offers many other benefits like Tax Benefits.
For a salaried employee buying health insurance is beneficial from a financial point of view as they can avail tax benefits.

With the rising incidence of health issues even in young people, taking good health insurance is must these days. Taking health insurance at a young age is beneficial, as premium will be on the lower side and affordable. As you grow old insurance company will charge a higher premium based on your age and medical history.

When you are planning to opt for health insurance, apart from the offering about insurance plans; you should also check whether the insurance provider has good customer support.
Have a look at the customer's experience when they submit insurance claims.

Insurance companies that have a customer-centric approach make sure that claim process is made seamless & hassle-free so that customers do not have to run from pillar to post to submit their claims.

You should choose an insurance company that has comprehensive health insurance packages.
Customers should be able to buy or renew health insurance packages instantly without any paperwork. The insurance company should not penalize you for switching between different insurance plans.


Depending upon your age, priorities, medical conditions, existing insurance policies and long term plan, you should choose an insurance policy that provides good coverage based on insurance premium being paid. Most of the insurance companies have policies that can cover the insurer as well as the dependents (parents, spouse, etc.) In such scenarios, You could choose a suitable ' Family Insurance ' since it keeps everyone protected.


Health insurance packages have a number of benefits for yourself & your family members.
Some of them are tax benefits under 80 ( D), Hospitalization Cover and most important is that it provides you peace of mind.

Taking health insurance for parents is necessary as because of old age problems they often fell ill and need medical help.


So go ahead and check health insurance policies, compare it with the existing ones (if you have any ) and see the difference.
One can easily get good health insurance online and nowadays insurance companies go an extra mile to make sure that customers do not face hassles while renewing insurance policies online.
The primary advantage of the online medium is that the customer saves time as the entire process can be done from the comfort of the home.

Buying a new policy or renewing old is very easy and simple. It will not help you in time of need but will also save you from the unnecessary stress and headache one gets to arrange money at the time of need.



Hope you all liked this post and found it useful.
Do share your views on this topic.


( Image source: Bing )









9 comments:

Pallavi Jain said...

Very informative blog..
Yes it's very true that no one plan to get I'll..but on hard times , health insurance is must for today's life style and era..
Brilliant post...

Ritu Kalra said...

A proper health insurance at proper time can save a lot of money and provide cover when for many diseases..its always adviceable to go for a good heath insurance package..

Akanksha said...

Health insurance is essential in India as the expense for medical is sky high. Luckily I live abroad and medical charges are deducted as extra taxes from our salaries. This is the reason we are provided free healthcare here. We still have an insurance policy which covers a good sum.

Jhilmil said...

Health insurance is very important for a family due to high expenses in households. If taken at the right time, it can really help us take the burden.

Sandy N Vyjay said...

Health insurance is a must in these times. The escalating costs of healthcare make this a vital necessity. One of the main challenges is always to read the fine print and zero in on the best cover for self and family.

Farha said...

I currently have a health insurance but am looking for a family one , this post will help me choose , thanks for the information

Bushra said...

Health insurance plan is much needed for each and every family members. That's very helpful post to choose right health insurance

Khushboo said...

That's a very informative post and I agree heath insurance is must for everyone.

Anita Singh said...

Health insurance ka value husband ko unke angioplasty k samy pata laga, lakin tab der ho gai thi, sab bills humari pocket se gaya lakin accha ye hua ki unhonne fir hum sabka health insurance jarur le liya, kyunki koi bhi problem bol k to aati nahi, isliye aaj ki life me sahi medical insurance hona jaruri hai