Why You Need A Health Insurance

My article in oneindia.com   http://www.boldsky.com/insync/pulse/2013/why-health-insurance-032748.html

 Life is a series of expected an unexpected incidents that could have a significant impact on your financial situation. Insurance is an assurance of financial support in case of any crisis. Health insurance particularly aims on your health related needs like medical diagnosis and treatment. In this modern world, where we are leading an advanced lifestyle, the need of a health insurance is more.

 Even though we all are aware about the importance of a medical insurance, we will not think about taking one until we meet a crisis due to any medical emergency which can hit you at any time. This unplanned visit to doctor may change all your family budget plans. The increasing cost of hospitalization and healthcare expenses have made health insurance an inevitable necessity. Here is why you need a health insurance. 

Why You Need A Health Insurance

Go relaxed to your doctor: Insurance plans offer services not only for a wide range of health issues, but also for your lifestyle. There will be a certain number of specific diseases covered by the policy. If you have a health insurance, go relaxed when you visit a doctor for any of these diseases. On the basis of the doctor’s report, you will get a lump sum amount from the company.

Hospital expenses:  A health insurance plan typically covers the hospitalisation expenses for treatment of disease and accident. This includes room rent, medicine expenses, specialist fees, diagnostic expenses and other medical expenses related to treatment. Pre and post hospitalisation expenses will also be paid to a certain extent, but will depend on the policy you have taken. 

Pay for your gym membership: Many people do not realise that you may be able to claim Gym Membership and Weight Management Program fees based on the type of health insurance you are choosing. So taking a health insurance will provide added benefits to your body.

Save tax:  We all prefer to have options that will help us save our taxes as well as offer a good return on investment. One of the best investments undoubtedly, is health insurance, which can save a good amount of your income tax bill.

Select the most suitable plan which will be more useful for you, after checking the offer documents for details. Be sure about the conditions, limits, and waiting periods of  plans before proceeding with any decision to purchase. Taking a health insurance will offer you peace of mind.