Why Invest In A Health Insurance Policy?

Instead of labelling the purchase of a health insurance policy as an unnecessary

and extravagant expense, consider all the expenses that you may have to incur right out of your own pocket in the case of an unforeseen healthcare emergency.

Investing in a health policy, in most cases, has proven to be much more cost-effective. Investing regularly towards health insurance premiums can save you and your family from a lot of debt in scenarios in which you are required to undergo any major medical procedure or treatment.

The financial support that you receive for an accident, surgery or emergency treatment proves its worth towards the amount you may have paid to your health insurance service provider in the form of premium.

Benefits of Investing in a Health Insurance Package

1.Irrespective of your healthy lifestyle and medical history, it is not practical to take your health for granted. Medical issues often crop up without any warning and having an insurance coverage ensures financial security at such times of dire stress.

2.Associating yourself with any one of the reputed health insurance companies gives you the benefit of access to a network of specialist doctors, diagnostic centres and healthcare facilities which one may or may not be able to afford as an uninsured individual.

3.Due to the relatively unorganized and complex nature of the healthcare industry, statistics have proven that uninsured individuals ignore health conditions or delay treatment in order to avoid expenses. This eventually results in aggravated health issues which may require a more aggressive mode of treatment in the future. This may lead to adverse conditions due to the lack of treatment at the right time.

4.In addition to surgical or medical emergencies and accidental care, you can also check with your insurers if they offer added benefits of a 24-hour medical hotline and access to network vendors such as gyms and other fitness facilities.

What does the Health Policy Cover?

Typically, most popular insurance service providers offer the following coverage through their policies

1.Room and boarding expenses The limits to this coverage vary from company to company and also depend on the amount of premium you pay.

2.Ambulance Fees Most policies cover ambulance charges up to Rs. 1000.

3.Daycare expenses for treatments such as dialysis, radiotherapy, and chemotherapy.

4.Charges for the ICU, physician & specialist consultation, anesthetist, surgeon, operation, surgical material and diagnostic expenses.

5.Most non-life insurance service providers also offer cashless hospitalization services.

by: Cruse Loyle

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