Health insurance has become the need of the hour. But not many people in India will agree to this and question-’Why?’, instead. There are not one or two, but many reasons why one should own health insurance plans in India. The major one being the skyrocketing cost of health care treatments, in this article we will know about benefits of health insurance.
Illnesses are not all class-conscious and can affect anybody. And if an individual is suffering from any illness and also don’t own a health insurance plan. Then his/her suffering doubles. Apart from taking care of his health. He will also have to manage finances. This may dig a deep hole in one’s pocket and lead to greater stress. For which, getting an adequate cover becomes extremely important in today’s times.
Importance of Health Insurance
Still we all are in fear, fear of Covid-19, fear of untimely death and fear of losing family without doing anything for family. Look we all spend our last year with the fear of Covid-19 and we all hoping for a vaccination or any kind of drug for survival and as soon as possible it can be.
At that time, we all know two things, first life is precious and the second thing living a healthy and fit life is a first demand of life or secret of happy and smooth life. This was time where humanity was in endanger and everyone was just trying to survive at that time. Covid-19 virus mostly hit those people who are not so fit and old age people become victim of it.
Hectic Lifestyle – In today’s time, we are just running, for money or to fulfill the dream. Everyday new problem and one more day with full stress and stress has a bad effect on our health. In this situation health insurance can help you with protecting your precious life. Health insurance is a kind of bodyguard for you and your health and health insurance can make things easy for you.
Rising Medical Cost – The way we are moving towards advance world, with same way Medical services are getting more demandable with demand it became expensive day by day. We all know the truth of India’s government hospitals and medical sector, private sector is most expensive and everyone can’t afford private hospitals. Private sectors are good in service but the question is can you afford? Well, yes you can afford but with the help of health insurance, health insurance can make things easy for you.
Increasing Pollution – We can’t with the fact that people live in metro City like Delhi, those people who don’t even smoke are inhaling the smoke of 5-6 cigarettes every day. So, yes pollution is also our concern that we think about cause pollution increasing day by day with rapidly. And it’s a threat for healthy life and threat for humanity too, due to pollution our body becomes the home of disease and after hospital and drugs is enough to spend your lifetime earnings.
It’s the best time to roll up your sleeves, gather your documents, and pick a health insurance plan for 2021. Because 2021 has proved to all of us how important health insurance is.
The benefits of health insurance are as follows
Hospitalization Expenses – One of the worthiest of attention benefits of health insurance policies in India is that they cover hospitalization charges. Following are some of the characteristics for health insurance policies are that they cover hospitalization charges such as:
Accidental Hospitalization – Any expense incurred due to accidents/death is covered in accidental hospitalization. Accidents don’t tell and come so being insured is the best option for any situation, and we can give someone the best treatment. Additionally, with some insurances, you can get a sum of money for accidental hospitalization.
Illness-related Hospitalization – Insurance policies cover costs incurred while seeking treatment in a hospital for any illness. Illness can’t be predicted so if we are insured we don’t need to bother about the finances. You must note that the number of illnesses covered can be wide and varied, including Food poisoning, Dengue, Typhoid, etc.
Expenses incurred while seeking treatment for critical illnesses, aiding you to minimize your financial liability under such circumstances.
ICU Room Rent – An intensive care unit (ICU), also known as an intensive therapy unit or intensive treatment unit (ITU). Or critical care unit (CCU), is a special department of a hospital or health care facility that provides. As its name suggests, ICU rooms are for those who need specialized care for their treatment.
As a result, the room rent for ICU is also significantly higher than that of standard rooms. A health insurance policy covers the charges for the ICU rooms alongside normal rooms.
Optimum Cover for Health-related Issues – Unnecessary to say, it has become very easy for any individual to fall ill. Be it a kid or an adult, all have become sensitive to illness and whether due to pollution or a hectic lifestyle. Buying a policy online will help you tackle health-related issues and avail the best possible medical treatment without worrying about expenses.
Pre & post hospitalization cost coverage – Health insurance policies provide coverage for pre & post hospitalization expenses for a specific number of days. Learn that the number of days covered depends on the type of plan purchased.
Cashless treatment – When you possess insurance, you become eligible for cashless treatments at one of the various hospital networks your insurer has collaborated with.
Organ donor expenses – A health insurance policy helps you secure from the worry of medical expenses that come with the procedure of undergoing organ transplant surgery. This element may be offered to you as an add- on -benefit in case it is not a regular part of your basic health.
So there you go! You can finally breathe easy knowing that your health insurance benefits will cover all the expenses that you incur during hospitalization and will allow you to make your time at the hospital more comfortable.
Compare your all-policy benefits with comparepolicy.com and choose the best-suited health insurance for yourself.