Are you among those who think that health insurance is only for the elderly and the sick? Have you ever thought that insurance cover for many diseases can prove to be a boon in the midst of unexpected expenses of hospital and can take away all your stress?
ust consider this scenario, in which God does not ask that you have to pay an amount of five lakh rupees for the treatment of heart disease. Don't you want the same amount to be covered at a nominal monthly premium of Rs 300. Isn't this a much better deal than paying the bill of treatment out of your own pocket? If you look at some things, you will know why you should not ignore health insurance.
Working late into the night, poor eating habits, no exercise and excessive stress, these factors are enough to make any healthy person sick in a few moments. It is beneficial to invest in a health insurance plan to be safe from these situations.
It is not surprising that we spend more money on collecting things than on protecting ourselves. We decide to put ourselves at last, while the need is to put ourselves first. We certainly know that home and car repairs can be extremely expensive, but have you ever considered how you will get yourself repaired in the event of an unfortunate accident? Health insurance is essential to keep yourself safe.
In case of critical illness, buy a health insurance policy to help with medical expenses. Along with this, after getting information about serious diseases, annual health check-ups and other tests should be done, so that they can be treated in time. It is important that R should take care from the beginning and even if there is a lapse, seek the help of health insurance.
Health insurance is important in today's times, especially in medical emergencies. A health insurance can cover hospitalization expenses, doctor's fees and medicine expenses. Human beings are very optimistic. We always believe that our coming tomorrow will be happier, more prosperous and better, but who has actually seen tomorrow? Indians need to buy health insurance as we are highly susceptible to risk ailments like obesity and heart disease due to our diet, unhealthy lifestyles, increasing stress and increasing urbanization. India's health care spending has skyrocketed over the years. The World Health Organization (WHO) report says that Indians spend around 70% of their health expenses out of their own pocket. Unexpected medical compulsions can spoil a family's budget, which is why it is important to buy health insurance early.
By buying health care plan, you will not only get coverage for serious diseases, but also people get cashless claim benefit, not only that, it also provides tax benefits under it. Comprehensive cover will be available at low premium Generally, the youth feel that they are very healthy, they like to exercise, eat good food and have no bad habits and they do limited work like smoking and drinking, hence they need health insurance. Is not. But the truth is, unless you have no medical problems, it is better to get health insurance as soon as possible. This helps a person to get a comprehensive cover at a lower premium than buying a policy later in life.
Also, let us know that the cost of buying health insurance increases with age, because with increasing age, the possibility of various diseases complicates the policy and can increase the premium. Another reason to buy health insurance early in life is to take advantage of cumulative bonuses. A younger person is less likely to file a claim than an older person. This type of cumulative bonus can be more than 50 percent of the sum assured, which means that your sum assured will be 150 percent of the original sum assured. Whereas you pay the premium for only 100 per cent of the sum insured. These are just a few of the reasons that health insurance should be purchased earlier rather than later in life.
In this context ,Mr Rakesh Choudhary our director of Square Insurance Brokers Company Limited says that people need to start looking at health insurance as a solid long-term investment, which gives good returns for your mental and financial health. An adequate health insurance policy provides peace of mind, provides strength during emergencies, and ensures financial security. However, many people buy health insurance cover when they start experiencing health problems and by then it is too late. With the ever-increasing prices of health services in our country, and increasing cases of diseases, health insurance is a necessity today.
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