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health insurance

If you want your family to never face financial problems then you must buy health insurance. This health insurance will provide financial assistance to your family while you are in bed.

Now see what is health insurance, it is a very complex subject in itself.

Because the most serious problem of health insurance is that one policy does not cover all diseases. In such a situation, there are many types of health insurance plans present in the market, which cover different types of diseases. And health insurance plans are not so cheap,
That a person buys all types of health insurance plans. In such a situation, it is very difficult to find out what kind of health insurance plan is most important. Then there are so many health insurance companies in the market at this time, then which company to buy from is another complicated problem.

So in today's post, you will get to know a total of three things about health insurance.

Number one - What type of health insurance plan is most important for you at this time.
Number two - ten things you should take care of before buying any health insurance.
Number three - from which company should you buy health insurance.

The three most important plans for health insurance.

First of all, we know that which are those three types of health insurance plans which must be present in our country at this time.

Number one is a critical illness policy - see that our lifestyle has become much worse nowadays. Then the level of pollution in our country has also increased significantly. Moreover, out of all the types of products we use in our daily life, there are many products which are very harmful to our health. And many times there have been cases which have proved this. So in such a situation that there are many serious diseases like - cancer, heart attack, or disease related to kidney or brain, then the risk of them increases significantly. And you know this very well that if someone gets this kind of disease then it is very expensive to get treatment, and it is often seen in these diseases that one needs to rest in bed for a long time. is.
So if any such type of disease happens to someone on whom his entire family depends, then imagine how badly the financial situation of his family will be shaken.
So, in my view, this is a critical illness policy, it must be with everyone. Because the biggest benefit of taking this policy is that if you get a serious illness after taking this policy, then you almost get a payment collected. For example, if you have a policy of 2000000 rupees then you will be given 2000000 rupees collected, now with that 2000000 rupees you can get your treatment also, and you can also run your home. And you do not need to submit any medical bill of any kind to take the claim. Just proof of diagnosis is enough,
And if you take this policy as a rider with term insurance, then you will also get a little cheaper and your premium will be fixed for life, the rest if you want, you can buy this policy separately as well There are many companies that are selling these policies at the moment.
Before purchasing this policy, one thing must be kept in mind that which diseases are included in this policy and which are not covered as many serious diseases were included. Then whatever kind of diseases are included in it, you should also check that to which stage it has been included, there are some diseases that are not covered in all the stages like - all the stages of cancer in critical illness policy. Not covered, Then the first heart attack is also covered in heart attack, so in this way, you must also read what stage of this disease is covered in it. And if there has been any history of cancer in your family, then you can buy a cancer specialist plan instead of a critical illness policy, it will be better for you.

Now let's talk about the second most important type of health insurance plan.

The second most important type of health insurance is that, see the accidental cover. If you live in big cities, then you will know very well that the chance of getting an accident is very high, so this policy with accidental cover is also very important. is. Because see if someone becomes a serious accident, someone becomes a major accident, then it may happen that you may have to rest in bed for a long time. Or maybe you can't walk for life, many things can happen. So, for this reason, it will be an accidental cover policy, so in this too you will get an almost amassed amount like a critical illness policy, like if you took an accidental cover policy of 1000000 then you will get 1000000 collected. Now with that 1000000 rupees, you will also be able to get your treatment and your family will continue to get financial help for some time. And the best thing about this accidental cover policy is that it is much cheaper.
Then if you take this policy as a critical illness policy as a rider with term insurance, then you can also pass a little cheaper, and your premium will also be fixed for life. There are many other companies in the market, which are selling accidental cover policy separately, so you can also buy NSE.

Now let's talk about the third most important type of health insurance.

So the third most important type is the traditional health insurance which you also call Mediclaim policy in simple language. See, this critical illness policy I told you only covers serious diseases. Then the accidental cover which is said to get benefit only when the person has an accident. But apart from this, there are many such diseases for which we have to stay in the hospital for treatment. In such a situation, we must also have health insurance that can cover those diseases as well. So for this, you must also buy this policy. If you buy this policy, then it will be that all the expenses of your hospital will be covered till a few days before the hospital and the expenses of winning till a few days after the hospital, all those expenses will be covered in it. But the premium it has is more expensive than the critical illness policy and accidental cover.

Before purchasing health insurance, these ten things must be kept in mind.

Now let's talk about those ten things that you must keep in mind before buying any health insurance.

  1. Before purchasing any health insurance, be sure to read carefully which diseases are included in it and which are not covered.
  2. While purchasing health insurance, please provide correct and all information about yourself.
  3. daycare expenses
  4. pay and post hospitalization
  5. waiting period for pre-existing disease
  6. room rent capping
  7. alternative treatment
  8. co-pay
  9. no claim bonus
  10. renewal age
  11. network hospitals

Now, you know from which companies you can buy health insurance. The five best health insurance companies.

  1. star health insurance
  2. HDFC ergo and apollo Munich
  3. ICICI Lombard
  4. Religare health insurance
  5. Manipalcigna

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