take health insurance and save your savings

 What is Health Insurance? Why is it necessary to take health insurance? How can you protect your savings with health insurance? What are the benefits of health insurance? What is covered in health insurance?

Health insurance policy :-

Health insurance is a type of insurance. In which insurance companies protect the policy holder from their hospitalization expenses. There are 3 types of health insurance :-

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1. Individual health insurance:- 

This means that the number of people in the family who earn, they can take their separate insurance in which only the policy buyer will be covered.

2. Family Health Insurance (Family Flotar):- 

In this any person of the family can buy this policy in which he can cover all the members of his family. In a family floater plan, any member can use the full limit of the plan. In the family floater plan, we can include ourselves / our wife / our children. Family floater plan The entire family can be covered in a single policy.

3. Group health insurance:- 

Most of the private and government companies give this to their employees. In this plan, 10-12 people are covered together.

Why is it necessary to take health insurance?

Taking health insurance is a better option for you and your family in which you can avoid hospital expenses. Illness never comes by telling and when it comes, it is not necessary that at that time we should have enough money to get our treatment done. As the corona virus came suddenly and many people died due to lack of treatment, those who could get treatment, their entire savings were exhausted during treatment. In today's era, there is a cure for every disease and the cost of treatment is also very high.In such a situation, it becomes very important to take a health insurance policy because our hospital expenses are covered by a health insurance policy, due to which our financial position remains good. There is no debt on us, and we can go to any hospital and get our better treatment. List of hospital expenses:

• Doctor Fees

• Medicine

• Test

• Admit Charge

• Registration Fee

• Nursing Charges

• Blood

• operation

• Visiting doctor (for some reason the specialist doctor has to be called from outside, their fee is different).

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How can you protect your savings with health insurance?

In today's era, the food we eat is so adulterated that we fall ill. We do not get clean air and water. Even if we go to a normal doctor when we are sick, then his one day fee for medicine costs so much that for a middle class person, this cost of one day affects his savings.If someone gets a major illness, then either the person does not get treatment or his accumulated capital over the years ends up in the hospital expenses. Many people also get debt during treatment. Their financial condition worsens.To avoid all this, we should take health insurance so that the capital that we have accumulated over the years does not end, we do not have any debt on us. With a health insurance policy, we can get the treatment of the biggest disease, the cost of which is paid by the insurance companies to the hospital. In today's era, it has become very necessary to take health insurance, the person who does not take health insurance, when he gets sick, his or his savings capital is exhausted or his financial condition is bad. To avoid this, we should take health insurance.

Benefits of health insurance :-

Even today there are many people in India who are not aware of health insurance. It is not even known how beneficial health insurance is. In India, 70% of the people will have health insurance, out of 70% of the people, only 30% will be such people who have taken their individual health insurance or have taken a family floater policy. 40% of the people are those who work in a company and take advantage of health insurance under the group medical insurance given by the company.We should take our health insurance as our individual or must take family floater insurance. There are many benefits of health insurance such as:-

• The biggest advantage of health insurance is that it does not affect our savings.

• With health insurance policy, we do not need to take a loan from anyone.

• With health insurance policy, we can get our treatment done in a better hospital.

• Health insurance protects us from financial loss.

• Health insurance also covers the cost of hospitalization due to accident.

• On the basis of health insurance policy, we can get treatment of even a major disease like cancer in the best hospital.

• In health insurance policy, we can get full body health checkup done for free. (These health insurance companies decide whether full body health checkup can be done once in a year or once in two years, the plans of all the companies are different.)

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What is covered in health insurance?

• Hospitalization expenses :-

    In this, if a person is admitted in the hospital for more than 24 hours, then the hospital expenses are included.

• Pre-hospitalization expenses :-

    Before getting admitted to the hospital, if our expenses for the treatment of the same disease are within 45 days, then those insurance companies pay the expenses.

• Expenses of being discharged from the hospital :-

   It covers the cost of weekly checkup which is discharged from the hospital within 60 days.

• Day treatment and surgery :-

     The treatment which is done within 24 hours can be claimed.

• Modern Treatment :-

   In this, the claim of the surgery which is done by the robot can also be taken.

• Daily Cash Allowance :-

    In this, the insurance companies also pay for the number of days the patient along with the family members stay in the hospital.

• Ayush cover:-

     Ayurvedic, Unani, Siddha, Homeopathy health insurance also covers the treatment done by it. This includes day to day treatment and hospitalization.

• Ambulance Expenses :-

     -Ambulance from home to hospital.

     - Ambulance to be taken when transferred from hospital to hospital.

     - Air ambulance.

    - Road Ambulance.

Air ambulance is available only when our treatment is not available in that hospital and the doctor gives in writing that the patient has to be admitted to the big hospital of the big city, only then the facility is given to the air ambulance.

• Emergency Medical Aid :-

     If due to some reason we are at a distance of up to a fixed kilometer from our house and suddenly there is a medical emergency, then this cover comes in handy at that time.

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• Reinstatement of Sum Assured :-

     In this it happens as if a person takes insurance of 5 lakhs and their claim comes to 1 lakh, then the company through restoration of the amount makes his sum insured again to 5 lakhs.

• Cumulative Bonus :-

   If the claim is not taken, then the sum insured will increase by 5%, until the sum insured does not increase by 50%

If there is a claim then 5% will be deducted from the cumulative bonus

• Free Health Checkup 

    It is according to the company, after how many years health checkup is available

For example: If we have not made any claim for 2-3 years, then we get free health checkup

• Cost of Vaccination 

     In this, when no claim is made for 2-3 years, then you get a click on fresh bill. This is also a different time period

• serious illness 

     We can add this cover to our policy. Adding to this, serious diseases are taxed only after 3 months of taking the police. For this the company charges an additional premium.

There are many more additional covers which are different for each of the companies.

Best health insurance companies in India :-

 • HDFC ERGO health insurance 

 • Star health insurance 

 • Niva bupa health insurance

 • ICICI Lombard health insurance

 • Care health insurance

 • Manipal cigma health insurance

 • Bajaj Allianz health insurance

 • New india health insurance

 • Oriental health insurance

 • National health insurance

I hope that knowing the benefits of health insurance, you will definitely think about taking health insurance. Because with this you can save not only your health but also your savings.