The world today is seeing a dangerous combination of factors related to healthcare. For one, the cost of healthcare is increasing exponentially and two, the number of lifestyle-related diseases are increasing in this generation as compared to older generations. This could be due to the sedentary lifestyles as well as changes in occupations and food habits that result in people getting illnesses at younger ages. Even at older ages, the recuperative powers seem to be less now than ever before.
Why health insurance coverage is necessary?
When even a simple consultation or minor procedure that requires just one day of stay at a hospital can result in medical bills amounting to thousands of rupees, the cost of more major procedures can itself result in heart attacks even in the healthiest of people. If the breadwinner is the person who is hospitalized for any illness, the medical bills alone would be difficult to pay off, especially the family income too being at stake. There is only one solution to this problem-comprehensive health insurance coverage.
Benefits of Health Insurance
There are several benefits of having health insurance taken from an early age for every member of the family (or a group insurance). If any emergency situation happens, you don’t have to run around mobilizing resources to pay the bills. You don’t have to be stressed about how to pay the money. You can spend your time with your loved one and ensure that they get the best treatment possible without any compromise at all. You have the peace of mind that comes from knowing that everything is taken care without your having to do anything.
Insurance policies come in handy even when there are no illnesses. You get significant income tax benefits under the sections 80D as well as 80DD. When you take health insurance, you can just walk into any hospital and take advantage of the cashless treatments. You can also renew the policy from year to year or even carry over the insurance to another company if you find a better one.
Knowing what diseases are hereditary in your family or what you are prone for can help you make better decisions regarding which insurance to take, which hereditary diseases to get pre-insured for, etc., which can have a great bearing on the amount of premium you have to pay. You can benefit from significant savings if you have reliable health information at hand, which you can easily get through Omihub. Taking your medical insurance after getting all your medical information from Omihub.com ensures your decisions will the perfect one!