pays for your hospital bills for diagnostics, surgery etc.
The sign of a healthy household is mutual love and care for each other. The elders of the family provide protection and the youngsters oblige them. If you are the financial head of your family then you must ensure protection for the members. When the family members are healthy the atmosphere of the house is very positive. It is good if you have the right eating and hygiene habits but omitting to have a Health Insurance cover for your family would be a huge mistake. You must have seen many people around you who despite having very healthy lifestyle contract deadly diseases. The overall environment has been degraded to such level that a person has become almost helpless and is highly exposed to deadly diseases. Moreover, one can always meet an accident and get seriously injured on any unfortunate day.
Thus, any person can need Hospitalization irrespective how careful you are in life. That is why it is highly recommended to get health cover for you and family. The health insurance cover should be taken in consultation with an insurance expert as having a Policy with little coverage or a wrong type of Coverage might still burry you under the stack of medical bills. You must weigh various health policies against each other to choose the most suitable one for you. There can be Premium difference for same amount of cover in the policies of different companies but you would have to carefully read the policies to find out the reason behind the difference in premium. There can be loopholes or caps in the policy that would jeopardize its coverage to bring the premium down. Thus, premium comparison is not the only yardstick to compare health plans.
Another important thing that you must check in your health policy is the hospital network. You get cashless Claim settlement if you take treatment in network hospitals, thus you need to ensure whether your favorite hospital are in the network of your insurer. It is always convenient to go for cashless treatment as you don’t need to pay upfront and wait for reimbursements. Therefore scout for plans that have a wider network.
Health plans get updated and start covering pre-existing diseases after some years, plans can be compared n the basis of the time they take to upgrade. While buying health plans it very important to weigh the market reputation and goodwill of the insurer. As you need to be sure about the services of the Insurer and the settlement of your claims.
Diseases are becoming very common owning to our lifestyle and degradation of the environment. I see so many cancer cases among my known people many of whom had very good habits. Such a scenario is frightening. In times like these if you are uninsured you are exposing yourself to a huge financial risk. A severe disease can literally make you bankrupt as the treatment costs are colossal. At times a single medical cover is not sufficient, people take multiple health policies. Sometimes they get themselves special cover policies like a cancer care. Such policies cover a specific disease and provide very high cover for a little premium. A disease like cancer is so costly to treat that an ordinary health insurance policy might not be enough that is why people top up their health plans with special covers.
When you plan to take such policies do sufficient market research to make the smart purchase. You may take help from the internet for personal research and comparison and approach agents to clear out the jargons. Your family’s protection is your responsibility; thus, make room for health insurance in your expenditure budget.