Health is wealth, as the saying goes. Changing living patterns, rising pollution levels, and a slew of other issues all have a negative impact on one's health. This could result in a variety of health problems and diseases.
The National Sample Survey Office's recent health sample survey, conducted in 2014, revealed that about 36 million Indian households spend more on healthcare than their annual per capita consumption. While you may be working extremely hard to attain the financial goals you've set for yourself, an unexpected health issue could have a huge influence on your efforts.
The medical expenditures associated with treating such disorders are constantly rising. It is vital to invest in health insurance plans in order to protect your money from expensive medical bills.
Advantages Of Having A Health Insurance
👉 Comprehensive Coverage
As previously said, the most significant advantage of obtaining health insurance is that it protects your long-term savings. Health insurance plans provide coverage for unexpected medical expenses. It includes, among other things, hospitalisation costs, day care procedures, domiciliary fees, and ambulance costs. It relieves you of the financial burden of medical expenses, allowing you to concentrate on getting better.
👉 Cashless Treatment
In most cases, insurance companies have connections with hospitals, referred to as network hospitals, that provide cashless treatment to covered individuals in the case of hospitalisation. Most major insurers now have a large network of hospitals throughout the country. If you have a health problem and are admitted to one of the network hospitals, you will most likely be able to benefit from cashless hospitalisation.
👉 The health of your entire family.
Most insurers, now offer individual and family floater policies. With an individual plan, you can cover yourself, but with a family floater plan, you can safeguard your entire family's health.
👉 No Claim Bonus
NCB is a bonus feature included in health insurance plans. Every year, health plans are typically renewed by paying the insurance premium. However, you will be eligible for NCB if you do not file any claims for the full year. This NCB benefit is also included in some vehicle insurance policies.
👉 Peace of Mind
Another big advantage of health insurance is the assurance it provides. When you buy health insurance, you get a huge sense of safety, especially if you have a family floater plan. You feel safe knowing that your health, as well as the health of your family, is completely protected.
In India, there are more than 20 general insurance companies that offer health insurance policies. In India, each of these companies offers a variety of health insurance products. To put it another way, there are many different kinds of health insurance policies on the market, including family health insurance, individual health insurance, critical illness insurance, group health insurance, and so on.
Star Family Health Optima
The Star Health Insurance Family Health Optima health insurance plan has been designed to provide coverage for the entire family in exchange for a single premium payment under a floating Sum Insured.
Check the plans -> Click
SBI LifeSmart Health Insurance Plan
The SBI Life Smart Health Insurance Plan is a comprehensive health insurance plan with a fixed benefit. It is a traditional plan that does not include a bonus feature.
Check the plans -> Click
HDFC ERGO Health Suraksha
Check the plans -> Click
Bajaj Allianz Family Floater Health Guard
Bajaj Allianz Health Guard health insurance policy is one of the best health plans from Bajaj Allianz General Insurance Company. The policy provides total coverage against health expenses.
Check the plan -> Click
Oriental Insurance Happy Family Floater Policy
Oriental Insurance Company being one of the public sector general insurance companies offers effective health insurance plans. Happy Family Floater health insurance plan from Oriental Insurance Company offers extensive coverage and benefits.
Check the plan -> Click
Max Bupa Health Companion
Sometimes an unforeseen illness can consume your hard earned lifelong savings, and force you in debts. Max Bupa Health Companion plan has been formulated to deal with all such health contingencies by securing you and your loved ones with a reliable health insurance policy.
Check the plan -> Click