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Get Medical Insurance, Secure Your Future
[Posted by: InsuringIndia Blog on 29-Feb-2016]

Though technology may have made life easier today, it has also prolonged human mortality in many ways. Yet, like everything else there is an added risk of lifestyle, environment induced diseases and infections which are potentially hazardous. Considering that there is no prior warning to when an illness can strike, it makes sense to be forearmed to face any medical situation. In other words, it’s better to have a secure medical cover over your head than the headache of escalated costs and a tough financial future.


In this scenario, you have  to safeguard yourself against unforeseen events via an insurance policy, that  will not only take care of you but your family too in case you are not around.


What is Health Insurance?


A health insurance primarily gives you protection against escalated medical and surgical needs and is a way of ensuring that you can afford proper medical care without any stress. Like any other policy, here too a policy holder pays a certain premium to the insurance company. It varies from one company to another. 


Currently, in the insurance sector two types of health covers are available. These are indemnity and benefit policies. While indemnity policies such as individual and family floaters take care of basic medical expenses like room rent, hospital bills, etc, benefit policies such as critical illness pay a lump sum if you are diagnosed with a disease that you are covered for.


It is a good idea to also invest in a critical illness cover especially if you have a pre existing disease or a family history of a critical disease. It will take care of all the escalated costs, without burning a hole in your pocket.


Why you should opt for health insurance 


Illness or grievous injury does not come with a prior warning. If you are not insured to deal with these tough times, then not only will these eat into your emotional well being and savings, but it will also impact your financial future and your family’s too. 


The market is replete with choices - individual health insurance, family floater plans, health insurance for senior citizens and critical illness policies among others. While choosing a health insurance plan, always consider how much you are willing to pay and what suits your needs the best. Always choose a comprehensive policy which has the maximum advantages. 


Advantages of Health Insurance 


·         Lump sum is given in event of a critical illness

·         Convalescence allowances

·         Ambulance and attendant services

·         Tax benefits

·         Hospital costs like room rent, prescription drugs, lab tests, services and devices that aid your recovery

·         Other hospitalization costs

·         Maternity and newborn care

·         Treatment taken at home


Health insurance essentially safeguards your medical and treatment costs thereby securing your finances. Whole buying these policies always read the fine print and compare existing policies --premium, benefits, disadvantages, sops, terms and conditions--to see what suits your needs the best. It's always best to buy an insurance policy online as it saves time, is cost effective & is a transparent option. 

Get Quotes Of Health Insurance Plans. 

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*This is based on the difference between the highest and lowest premium's for a single person, age 25, looking for an individual health policy with the sum insured of Rs. 5 lakhs.
**This is based on the difference between the highest and lowest premium's for a single person, age 25, looking for a term plan, with the sum insured of Rs. 30 lakhs, and the premium paying term of 30 years.
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