You must have known about insurance. In which deposit money again and again and on completion of time, withdraw all the money in one go with profit. By the way, insurance is not just one type, there are many types and one of them is healthy insurance ie health insurance . If you are from a middle class family, then you must get health insurance for yourself and your family.
What is health insurance?
Health insurance is a type of insurance in which financial assistance is provided for your treatment of diseases and injuries caused by an accident. However, the amount received from this depends on your insurance plan. In this, you have to pay money first, that is, you have to pay the premium and in case of health problems, financial assistance is provided to you by the insurance company.
Why is it necessary to have health insurance?
It is necessary for everyone to take health insurance, because nowadays there is no assurance of life, when what will happen, nowadays a good person gets some disease or the other, sometimes an accident happens. In such a situation, lifetime's earnings are wasted in getting the treatment done. Many people are sold even at home. To avoid this kind of trouble, you must take health insurance. With this, you get good financial help with little investment.
Types of health insurance
There are different types of health insurance to suit your different needs. It depends on your age, and your budget.
Personal health insurance
This is such a health insurance plan in which only one person has health insurance. In this, a single person gets facilities like cashless hospitalization, reimbursement, coverage. We can also call it healthy insurance of a person.
Family health insurance
Family health insurance is that insurance in which the health insurance of your entire family is done. In this, all the people are taken with premium from you and help is given to anyone in case of any medical problem.
Senior Citizen Health Insurance
Till the time a person does not grow old, he takes care of himself, but with the coming of old age, many types of diseases come with him. That's why elders must take senior citizen health insurance. So that they can get financial help in case of problems in old age.
Insurance plan for critical illness
Many diseases are very serious, which are also fatal and a lot of money is spent in their treatment. Many insurance companies do health insurance for such serious and deadly diseases so that they do not have any problem of money when they are suffering from this disease and they can be treated easily.
Health ability to take insurance
There are different types of qualifications for taking health insurance which are decided by the insurance company. The insurance company prescribes the plan considering your age, investment amount, number of members and waiting period. In many types of health insurance policies, your medical test is also done.
Health Benefits of Insurance
You get many benefits by taking health insurance, but you do not get the benefits according to your wish, you get them according to the emergency situation.
The biggest and special thing about health insurance is that you can buy it online and can also compare it with other health insurance policies. In this, you will also have complete information about what kind of policy you are buying and what kind of benefits you are going to get.
The biggest and special thing about health insurance is that many companies charge different premiums for different places and for the same facility. In such a situation, you can read its premium less in many places and more in many places.
– Many insurance companies begin to bear all the expenses when the customer is hospitalized in the country. On the other hand, there are some companies which help the person on the basis of his bill after he is hospitalized and after his discharge. In this you will have to pay the money first to the hospital.
– There are many insurance companies which have a direct relation with the hospital and as soon as their customer is admitted in that hospital, his treatment starts without paying any money. Meaning you do not have to worry about money while getting admitted.
If you take health insurance then you get exemption under section 80D of income tax. Customers get a discount of up to Rs. 55 thousand under this.
Health insurance company credibility
There are many companies in India that do health insurance. But it is a big responsibility to choose from which company you want to take insurance, because here you are investing for your health, if you need it and the insurance company does not help you, then you suffer a huge loss. It is very important to check the credibility of the company.
To check the credibility of the health insurance company, you should check the ICR ie Incurred claim ratio of that company. Through this, you can compare other insurance company with the company of your choice. Through ICR, you will know how much profit you will get on your investment.
In this way, you can buy a health insurance policy according to your needs. While buying the policy, definitely look at your needs. If you feel that only one person should be insured, then do not buy family policy and if there is a need for the whole family, then get health insurance for the whole family. Keep in mind that while getting health insurance, your medical test is also done. If you already have a serious illness, then you are given a plan accordingly. In such a situation, if you want to get more profit in less investment, then take an insurance policy while staying healthy.