why Health insurance is important
Why Health insurance is important
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| health insurance is important |
health insurance is very important
Now in daily lifestyle we all
know a lot of new decease coming front of us, any middle class person harshly
visit in private hospital due to financial problem they know private hospitals
charges are so high if we visit in any private hospitals it will make them more
weaker financially specially in India every middle class person have to take health insurance for his family security.
We all know that the bad time will
come to you without any warning and we cannot stop it but we comes out from that bad time but it affect us
so badly it make us weak financially for
long time.
We never know when the bad time comes to us but we can prepared our self for that bad time earlier, we all know that many time a lot of people badly injured through any accident and the family get very irritated and unsecured by hospital bills. Many people sell their houses and many things for treatment in that case we all should need to take health insurance for our family.
We never know when the bad time comes to us but we can prepared our self for that bad time earlier, we all know that many time a lot of people badly injured through any accident and the family get very irritated and unsecured by hospital bills. Many people sell their houses and many things for treatment in that case we all should need to take health insurance for our family.
If you want a health insurance
then in that case, need to sign an agreement between customer (you) and the
health insurance company. In the agreement company assure you that if you pay
amount (decided by you which plan you want to activate for you and you will pay
behalf on that) monthly, half yearly or yearly then company gives you guaranty
that if you ill by any decease or injured by any type of accident then
insurance company will pay the hospital bill.
In every country has government
insurance department and many private insurance company are also available who
provide health insurance. You can choose any plan which would be easy and
comfortable for you.
Why health insurance is important
Healthinsurance is important because you can start your treatment without taking any
stress of hospital bill and you can take better treatment for better healthy
life. Now a day we all are live under so much of pollution and we are not having
healthy food most of the time we eat out side food which not healthy for you
that’s why we are becoming weak internally and decease easily become part of
our life. If we go to government hospital we always see the so much of rush
they take a lot time for check up. Private sector hospitals are too expensive for
middle class person and if people want start their treatment in private hospital
then most of time they face big financial problem.
In that case people should need to take health
insurance because if any person faces any medical emergency then they can start
their medical treatment without any financial stress.
Take the health insurance as
soon as possible because no one knows when we need it, that doesn’t mean if go
to the hospital then you will get the benefits of health insurance, many health
insurance organisation gives you chance to get full body check up in between
few month gap.
How to choose best health insurance
Choose that health insurance
which gives you all these benefits
*medical tests
*doctors fees
*ambulance rent
*admits gees of hospital
*expanses after discharge
from hospital include
-Check up by doctor
-Tests and medicines
Who can get the health Insurance
Every person can get thehealth insurance but a lot people are always think about in which age we need
to take a health insurance. Here are no boundary of age but if you will take
your health insurance earlier then you will pay less amount of you premium plan,
as your age will increase as your premium plan amount also increase because
with your age health risk are also increase.
In India after age of 45 if
you want the health insurance then body check up is not compulsory but if you have any disease like diabetes and hypertension then they should need to mention
that in the form and it will affect your premium plan amount. That’s why I will
advise you to get your health insurance in earlier to your age.
Important tips before taking health insurance
*think about which policy
shots you according to your health
*don’t wait until getting old or
ill
*read all the documents
carefully because few policy plan doesn’t cover accidental emergency and some
of policies doesn’t cover many deceases.
* collect all information
about settlement ratio (claim)
* take an advice from your
legal adviser or your family doctor
Impotent documents
These entire documents you
need to get health insurance
*age proof – birth certificate, driving licence,
passport, voter id card, 10th pass report card
*id proof – any document which
can assure you identity
*address proof – electricity bill,
telephone bill, ration card, driving licence, aadhar card, passport etc.
*medical report – few health
insurance plan need your medical check up report, especially who cross the 45
year of age.
*Photo – passport size photo
Process of claim
When you choice the right plan
for yourself then you should need to assure about claim process
Normally health insurance companies
claim your money through two way of processing
Cash less claim process – in this process you will never get any problem because
in this process insurance company directly involved with the hospital.
Reimbursement claim – in this
process the man who take the health insurance he need to collect all the documents
from admit to discharge and he will pay
all the money from himself and then he will visit to the insurance company office
and he need to show all the document and bill then he claim the money by
insurance company.
1. policy bazaar.com
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| POLICYBAZAAR.COM |
2. HDFC LIFE INSURANCE
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| HDFC LIFE INSURANCE |
3. APOLLO MUNICH HEALTH INSURANCE
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| APOLLO MUNICH |
4. COVERFOX HEALTH INSURANCE
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| COVERFOX |
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