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Health insurance is important even if you are in a good form of your health. You can never anticipate when you or any of your family members will fall sick or meet with an accident. But if you have health insurance cover you can easily get medical care whenever you require it. Minor medical expenses are bearable but what if the illness or injury is major? Having a medical insurance can save youfrom such worst situations. Some people often think that they have easy access to medical care as there are so many critical care centres in the country. But the medical expenses generated by critical illness can discourage you and health insurance covers them all. You will find the conditions covered by the health insurance in the policy statement. You need to check all the points given in the health insurance policy before purchasing it since Health policy is a legal agreement and you cannot amend any condition later. The price that we need to pay for this policy is known as premium. This legal contract provides money to the policyholder to cover his medical expenses.
Why to go for Health Insurance Plans
Good Health is very essential in every person’s life. If you are healthy you can achieve your objects in life. A fit body always motivates us to accept challenges in life and move forward. Having proper health insurance helps you to forget about health related worries. It reduces the financial burden arisingdue to any medical emergency. You can buy health insurance policy from agents or through insurance companies.
The major various health policies covered by these agencies are:
Individual health insurance: This policy is specially intended particularly for individuals. Under this policy, only single person is insured. If you have Individual health insurance then you are liable for the hospitalization benefits that include pre and post hospitalization costs.
Family floater health plans: This insurance policy is intended to cover all the members of a family under single insurance policy. It is very useful as you have facility to buy an umbrella policy also which can cover every member of the family.
Critical illness: This policy is complementary to main health insurance policy. It provides cover for medical treatment of critical illnesses and organ transplant.
Senior citizen health insurance: It is meant for persons above 65 years of age. An individual is most susceptible tomedical emergencies after 65 years his life and this insurancehelps him to stay independent and relaxed at that stage of life.
Personal accident insurance: It insurances an individual and provides cover for his medical treatment in case of any mishap. It supports your family from the economicworries that unforeseenmisfortunes lead to.
Maternity insurance: It coversthe medical expenses during pregnancy and delivery of the baby. Expenses of pre and post natal cure are covered and it also covers thenew born baby after delivery.
Hospitalization: It offers daily cash payment for paying the hospital charges. Usually such pays are not covered by a general health policy.
Travel medical insurance: It provides cover for medical treatment to an individual during his trip. It has become popular as foreign medical costs are expensive.
Other expenses: Most of the health insurance policies cover additional expenses such as lab tests, paediatric care, preventive services, mental care services and outpatient care along with major medical expenses.
Online health insurance plans
This is the new initiation in the health insurance field. Now you can buy health insurance policy online. With this facility any individual can buy health insurance from any part of the world. You save much of your expenses. These plans are cheaper than other offline plans.
Tips to buy health insurance
Uninsured individuals are like to suffer a lot because they cannot afford much to spend on the medical treatments of major diseases. Selecting a health insurance policy can be a hectic job. There are many health insurance companies in market so it can be confusing to select a right policy for you. You should take out time to list for the requirements and then decide for health insurance plans that can fit into your budget.
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