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Adulthood is all about making plans for your present and your future. And while you start planning on starting a family or buying your first car, you must not forget the chances of sudden expenditure that might fall on your shoulders if you don’t have a valid health insurance policy in your name. Sudden expenses like hospitalisation or critical illness might shatter all your plans for the future. Without proper health insurance, hospital charges and medical bills might leave you with nothing at the end of the day and all your savings will go for a toss. Considering medical expenses will never get any lower, it is important that you need to put buying a health insurance policy as your priority. Going on a vacation can wait a month or two, but health insurance cannot. You may believe that you are in the pink of your health, but sometimes sudden illness or accidents might shake your belief system. The advancement of technology in the medical field calls for the rise in expensive medical procedures and bills. Having a health insurance plan individually will cover these expenses if something unfortunate happens to you. It is wise to think of getting yourself the right health insurance plan especially if you’re an outdoorsman or a frequent traveller. Your health will be priority and will be attended to if you have a good health insurance plan. As said, medical treatment is not easy on the pocket and getting the best treatment possible should not be a compromise. There are many ways of getting health insurance individually where you could get refunded by the company that you’ve bought your health insurance policy from or if the health insurance company you’re dealing with has a cashless facility where all you have to do is present the slip directly to them is also a good option when it comes to paying the bills at the end of the day. A health insurance plan can also act as an investment in your own future, firstly because it will reduce your expenditure to a large amount and help you save for other things and also it can give you a tax deduction. Make sure your health insurance company offers you a good policy. Medical history of the individual, age, average age of your family etc. are among a few factors that are considered for the cost of individual health insurance policies. Past claims by the person who is currently covered by insurance will also be considered. Thus, be aware of all the policy claims and rules when you’re buying a health insurance policy. ______________________________________________________________________________________________________________
Pranav Sharma is an insurance agent based in Mumbai; Pranav assists individuals and corporates in purchasing the right Health Insurance Policy & often shares his insights about the general insurance industry on internet.
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