Health Insurance

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What is Health Insurance

Health insurance plan is a protection cover to protect your finances if you fall sick in future due to disease or illness or accident. It is a financial protection which helps you when you need it the most due to hospitalisation. Be it a planned surgery / treatment or an unfortunate accident, medical insurance policies are meant to cater to your medical needs. We recommend you to buy a health insurance policy so that in future if need arises you don’t have to shell out your hard-earned savings; instead our medical insurance plans will act as a savoir. In a nutshell, buying a health insurance policy means having a safety jacket so as to be prepared to face any medical related expenses that may arise in future.

Why is Health Insurance important?

Today, quality healthcare treatment is expensive. A decent hospitalisation has potential to finish up your savings in a few days. Instead of worrying about the hospital bill, you need to concentrate your entire energy on the recovery. A health insurance policy can help you with that. You can approach any of the network hospitals which has a tie-up with your insurance provider and recover peacefully.

Health insurance will act as a savior. When need arises you don’t have to shell out your hard-earned savings. You can approach any of the network hospitals which has a tie-up with your insurance provider and get the most needed healthcare treatment. Instead of worrying about the hospital bill, you can concentrate your entire energy on the health and recover peacefully. In a nutshell, buying a health insurance policy means having a safety jacket so as to be prepared to face any medical related expenses that may arise in future.

Key Benefits of Health Insurance

Based on your policy terms & conditions, you will receive coverage for:

Cashless treatment: When you possess insurance, you become eligible for cashless treatments at one of the various hospital networks your insurer has collaborated with.

Bed Charge / Room rent: Insurance policies provide coverage for hospital room expenses based on the premium paid by the insured individual.

Pre & post hospitalization cost coverage: Health insurance policies provide coverage for pre & post hospitalization expenses for a specific number of days.

Ambulance expenses: One of the benefits of having health insurance by side is that it covers you for ambulance expenses incurred on the transportation of insured.

No Claim Bonus: No claim bonus or NCB is an amazing benefit the policyholder can enjoy on his health insurance. NCB in health insurance is bonus sum added in the sum insured for every previous claim free year. It is like a reward that policyholder receives for not claiming on his health insurance.

Medical Checkup: When you choose health insurance, as per your plan type, you become eligible for health checkups. Note that free health checkups are also provided by some insurers on the basis of your previous NCBs.

Alternative treatment: Many insurance companies provide coverage for alternative treatment such as Ayurveda, Homeopathic, Yoga and others.

Organ donor expenses: A health insurance policy helps you secure from the worry of medical expenses that come with the procedure of undergoing organ transplant surgery. If not a regular part of your basic health insurance, this element may be offered to you as an add-on benefit.

Domiciliary treatment: If your policy provides domiciliary treatment, you would be covered for availing treatment at home under medical supervision.

Tax Benefits: Your health insurance plan helps you save tax up to INR 75,000* if you buy a policy for yourself and your parents. Isn’t it a wonderful way to save tax and get a health cover in one go?

Apart from the above-mentioned benefits of health insurance, you may be eligible to avail benefits such as dental treatment, attendance allowance and others. However, note that you will be able to benefit from these specific features if only your policy covers them

6 Reasons to buy Health Insurance

1. Lifestyle Diseases: Stress, pollution, unhealthy eating habits, gadget addiction and undisciplined lives have made lifestyle diseases widespread. It’s important to buy a health insurance plan to tackle medical expenses rising due to rising lifestyle diseases.

2. Inadequate Employee Health Insurance: Do you think you are securely covered under one health insurance policy against all threats? Be informed that your employee health insurance may prove insufficient. These days medical science has advanced hence it’s important to get higher sum insured health insurance plans.

3. Beat medical inflation: The cost of medical treatment in India is always on the rise. Funding medical expenses on your own will lead to financial loss hence it’s important to buy a health insurance plan to beat the medical inflation.

4. Quality Healthcare: You certainly cannot compromise on healthcare quality. Best medical treatment has become a basic necessity, however having a health insurance plan promises quality healthcare as you don’t have to worry about the finances.

5. Tax Savings: Health Insurance is a tax saving instrument. Enjoy up to *Rs.75, 000 Tax savings annually under section 80D with health insurance plans. Isn’t it amazing? You can save tax and secure your health too.

6. Safeguards your savings: With a health insurance plan you can invest your savings for buying your dream house or taking the much awaited trip. You don't have to save for paying your future medical bills.