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.