Health Insurance

Health Insurance

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It is rightly said “Health is Wealth”, Health is an important issue for every individual. With changing conditions health cost is becoming costly every day, any illness or disease requiring hospitalization treatment will put an extra burden on ones financial conditions hence Health Insurance /Mediclaim Insurance is recommended.. Mediclaim Insurance is an important factor of financial planning , Insured avails Tax deduction under Section 80 D for the premium paid towards mediclaim insurance.

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WHY HEALTH INSURANCE ?

IT IS OBSERVED THAT MOST OF THE INDIVIDUALS OR FAMILIES THEY EITHER DON’T HAVE HEALTH INSURANCE OR HAVE INADEQUATE HEALTH INSURANCE. IN CONDITIONS OF MEDICAL EMERGENCIES SUCH PERSON OR FAMILIES WILL HAVE TO DEPEND EITHER ON THEIR HARD EARN SAVINGS OR THEY HAVE TO BORROW MONEY FROM FRIENDS, RELATIVES OR FROM FINANCIAL LENDERS AT VERY HEAVY INTEREST RATES. SUCH KIND OF SITUATION CAN PUT ANY PERSON OR FAMILIES NOT ONLY IN FINANCIAL DISTRESS BUT IN EMOTIONAL DISTRESS TOO….. CAN PUT ALL FUTURE GOALS ON STAKE.
HENCE HEALTH INSURANCE…. WHICH NOT ONLY PROTECTS US AGAINST ANY MEDICAL HOSPITALIZING EMERGENCIES BUT ALSO PROVIDES A STRONG SUPPORT TO PROTECT OUR HARD EARN SAVINGS, PROTECTS OUR ALL FUTURE FINANCIAL GOALS AND PROVIDES GREAT RELAXATION TO ONES MIND AND THAT TO OF AT VERY MINIMUM PREMIUM.

WHO CAN TAKE HEALTH INSURANCE?

ANY INDIAN ABOVE AGE 5, ANY GENDER, INDIVIDUAL OR FAMILIES CAN  OPT FOR HEALTH INSURANCE. KIDS FROM AGE 90 DAYS TO 5 YEARS CAN BE COVERED IN FAMILY HEALTH INSURANCE PLAN ONLY.

WHAT DOES IT COVER

TYPICAL HEALTH COINSURANCE COVERS MOST OF MEDICAL EXPENSES LIKE ROOM RENT, DOCTOR CONSULTATION CHARGES, NURSING CHARGES, OPERATION THEATER CHARGES, SURGEON CHARGES, ANESTHETIC CHARGES, EQUIPMENT CHARGES, INVESTIGATION CHARGES, BLOOD CHARGES, EQUIPMENT CHARGES, MEDICINE CHARGES, PHARMACY CHARGES, SOME IMPECUNIOUS CHARGES ,AMBULANCE CHARGES ARISING OUT OF 24 HOURS OF HOSPITALIZING UPTON THE LIMIT OF SUM INSURED OPTED UNDER THE HEALTH INSURANCE PLAN, IT ALSO COVERS 30 DAYS PRE HOSPITALIZING EXPENSES AND 60 DAYS POST HOSPITALIZING EXPENSES. ONE CAN ALSO GO FOR AN ADD ON COVER PLAN AND TAKE PROTECTION OF CRITICAL ILLNESS COVER, AUTO RESTORATION OF SUM INSURED BENEFIT, DONOR EXPENSE COVER, HOSPITAL DAILY CASH BENEFIT , PERSONAL ACCIDENT COVER, MATERNITY BENEFIT COVER, ETC. WITH AN ADDITIONAL PREMIUM.

SOME HEALTH INSURANCE PLANS ALSO OFFERS FREE MEDICAL CHECK UP , HEALTH RETURN BENEFITS MAX UPTO 30% OF YOUR PAID PREMIUM WHICH ONE CAN USE TO PAY FUTURE PREMIUM.

WHAT ELSE

AS PER THE CURRENT INCOME TAX ACT ANY PERSON WHO IS PAYING PREMIUM TOWARDS HIS /HER SELF OR FAMILY HEALTH INSURANCE AND PREMIUM TOWARDS PARENTS HEALTH COINSURANCE WILL GET TAX REBATE UNDER SECTION 80 D.

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