In today’s date, health insurance has become a necessity due to the rising cost of medications and treatment. The health insurance cover provides you comfort from the hassles that are caused due to medical emergencies. There are many players in the market who sells mediclaim or health insurance policies, which include Bharati Axa, HDFC life, Max Bupa, Iffco Tokyo, and Max New York life insurance. All these companies provide you with policies that reimburse or provide coverage in case of hospitalization and other medical diagnoses. However, in India, insurance penetration continues to be the lowest, which stands around 3.69%, which is the data revealed by IRDA.
We most of the time are content with the basic insurance plan or by the medical cover that is offered from our office. But there is a constant rise in healthcare costs and the number of diseases related to stress and lifestyle disorder. There is also a lack of awareness of many healthcare problems, and we need to question ourselves for the readiness of uncertainties. One of the ways to ensure that you are able to tackle medical emergencies is by getting well-versed with health insurance needs and seeing that your policy is sufficient for covering all your requirements.
Opt for a personal health insurance plan
Many people understand the importance of personal insurance plans when they are covered by corporate insurance schemes. But opting for personal insurance gives you the option of retaining it even if you switch jobs or start your own business, and the insurance cover remains. The corporate insurance plan generally lapses once you quit your job. But the personal insurance plan will continue to provide you coverage and that too at a meager cost. This is beneficial if you take insurance at a younger age. The more you age, the higher the premium cost goes. Thus, opting for an insurance plan early shall be a wise decision.
Estimate the exact cover that you need
As your corporate medical coverage comes along with your employment contract, we, most of the time, do not compare it with any other health insurance schemes. However, while opting for any other health insurance plan, you need to calculate the right insurance plan that will not only cover you but your family as well. If you bought an insurance plan years ago with a low premium amount, whereas your life and family continues to grow, you need to reconsider the calculation of your current plan. The healthcare cost has also risen in comparison to the health cover that you had taken years ago. For instance, if you have taken five lakhs coverage at the time of purchasing the policy, the cost has almost doubled in comparison to the policy amount you have insured. For heart surgery like angioplasty, the private hospitals charge around 2-4 lakhs along with pre and post-operative care. Hence, the amount which you have insured might fall short in such cases. Therefore, it is advised to upgrade your policy from time to time.
How to upgrade?
There are many ways via which you can upgrade your current insurance policy. It ranges from increasing the coverage of the existing plan or adding a new portfolio to it. There are also some insurance companies that offer the option of super top-up. It provides an extra security blanket on your existing health insurance plan, which can be helpful in dealing with medical emergencies. Also, compare all the privileges that are provided by all the insurance policy providers and then opt for the suitable one. Also, see the cashless facilities, entitlements, and other benefits that are given by the insurance company at the time of buying a new policy or upgrading the current one.
mediclaim - Mediclaim policy is is available for both individual and family provides tax benefits on the annual premium.
Mediclaim Insurance r medical insurance is a type of insurance that offers coverage against a range of medical, surgical, prescription drug, and dental expenses you may face when you fall sick or meet with an accident.
Mediclaim Policy For Family :- Health insurance or medical insurance is a type of insurance that offers coverage against a range of medical, surgical, prescription drug and dental expenses you may face when you fall sick or meet with an accident.
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