Health insurance for peace of mind and a secure all family members

Health Insurance: What Is It and Why do We Need a Health Insurance?

“The first Wealth is Health” words of Ralph Waldo Emerson are so true as we all know that nothing could charm us if our health is not good or we are ill. At this time, the havoc of Covid19 is clearly visible in the world and health insurance plays an important role if all the measures to avoid it are seen. Health insurance also works to keep you free from stressful lifestyle as it works to help you financially.

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Well, at present, where we are all leading a stressful life, it is very difficult to manage a healthy life. The hectic lifestyle from morning till evening, work stress, polluted air, food habits, covid-19 virus and many such factors are pushing us towards a situation where we all can become unsafe and unhealthy. Apart from all this, the rising cost of medical facilities is also becoming another major cause of concern. These days medical expenses are skyrocketing, which a middle or normal class person is not able to afford. According to a study, the budget expenditure of the government on health in India alone is about US$ 5.10 billion. The Government of India and the State Government are also giving health insurance cards to all the people, apart from this, there is more need to pay attention to their health.

So, if we really want to lead a stress-free life in terms of medical expenses, then we all need to take the initiative now. It is important for all of us to understand this and maintain the system because it is impossible for us to meet our increasing medical expenses from our savings.

Here you may ask yourself, how do we protect ourselves and our families from health expenses due to the increasing pressure of hospital bills? The answer can be taken from the insurance consultant, it is the duty of the insurance agent to fulfill your requirement. Its health insurance that can solve the problem of cumulative medical costs. Health insurance is an insurance policy that covers the insurer against the cost of hospital bills in case of health emergencies. In addition, it gives you coverage of medical as well as surgical expenses either in the form of cashless treatment or as reimbursement by the insurance company. Without delay,

contact your insurance advisor today. 

Why Health Insurance Is Becoming A Necessity?

Now we will discuss why it is very important to have a health insurance policy? Some important points reflecting the benefits of a health insurance policy are given below, must read them:

Unhealthy Lifestyle habits: 

In the world, everyone is rushing to achieve the goals given by the employer or preparing for competitive exams etc. in our fast life, we have no time to sit and eat quietly, we eat very quickly, as a result of eating fast we also grew up. On the other hand, modern eating habits are bad that everything is getting poor that led to diseases; high blood pressure, diabetes, many other diseases force you to pay money on medical treatment. With fast food options and vending machines everywhere, it can be hard to find fast, nutritious food options that fit our schedules and lifestyle. Have you thought of insuring yourself from such diseases? There is a health insurance plan which gives you relief from paying out of your pocket.

Financial Protection by insurance: 

We all know the importance of health insurance and one cannot underestimate the difference it can make when we are ill. Medical costs, like doctor's visit charges, diagnostic tests and expensive medicines may endanger your life. Technological advancements in recent years have allowed hospitals and laboratories to provide us with higher standards of healthcare. In addition to this, if you suffer a serious illness (where you are hospitalized), your medical expenses may take a toll on your savings. To get rid of these complications and fight deadly diseases, you should get health insurance. Therefore, one of the ways by which you can protect yourself from such financial hassles is to subscribe for health insurance plans.

It is a fact that health insurance is important for each and every human being. The most preeminent reason behind this is the cost of medical treatment. It is so high that we cannot afford it without any assurance.

When you're facing a serious illness and you need healthcare, you can't always be choosy about which hospital you go to. All of that depends on the health insurance coverage you have purchased.

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Best health care facilities in India: 

You don't have to worry about your medical expenses anymore. Health insurance helps you to get healthcare services in a cost-effective manner. An insurance platform that allows a user to select best doctors, clinics, and diagnostic centers from the insurer's network. Insurance agent plays a very important role and is considered to be the most necessary part of insurance. First, to get Health Insurance you need to select or hire an insurance agent. An agent is typically a professional who helps you choose and buy your health insurance policy.

Finally!!!!!!… your wait is over. You get to read something on health insurance that makes you happy and satisfied. Health insurance is a complicated product, right? You want to choose a plan that gives you the best coverage for the lowest premiums. And you want to be sure that your medical care is not just inexpensive, but also quality. So how do you go about finding the most suitable health policy for you?

Given the rising cost of healthcare in India, health insurance is a must for people from all sections of society. There are several private health insurance companies in the country, and you will have to work with your employer (if you are a member of a company) or your agent to sign up for coverage. It is only after this step that you will be able to enjoy the benefits of health insurance: free medical care at network hospitals, cashless treatments, and so on.

Health insurance Tax Benefits: 

Here comes the cherry on the cake. Once you have purchased a health insurance, you can avail tax benefits under Section 80D of the Income Tax Act. As per the section, whenever you buy a health insurance policy for your family (Self, spouse and children), you can get a tax benefit of Rs 25,000 per annum. 

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A Health insurance plan is a medical insurance policy offering financial coverage in case of medical emergencies like surgeries, hospitalization etc. In India, after motor insurance, health insurance is the most purchased policy. Health insurance plans either directly reimburse medical expenses or offer cashless facilities at network hospitals. Apart from that, a health insurance policy also offers tax benefits under section 80D of the Income Tax Act.