A Health Insurance Policy Must Have for Every Person in India
Health cover plans have gained immense popularity in India, owing to the increasing health risks due to pollution, poor drainage conditions, busy lifestyle choices, and so on. There are certain diseases and health conditions which require lifelong treatment. The medicines and surgery expenses are often too high for some people to bear.
Even in case of urgent medical needs arising out of accidents or other injuries, arranging funds immediately can be quite difficult. A health insurance policy addresses such issues and provides the necessary assistance required during such unpleasant situations.
Even the Government of India has launched several schemes like Ayushman Bharat Yojana and Mission Indradhanush, realising the need for healthcare and health insurance plans in the country. The people of India are now much more conscious about their health, which is evident by the growing number insured citizens.
Why is health cover important for every Indian?
A health insurance policy is a comprehensive plan which provides financial help in case of any illness, accident, treatment or surgery. Here are the reasons why a proper health cover is must-have for every citizen-
- Free-health check-up facilities - You can avail free health check-ups at several hospitals specified by the insurer.
- Emergency ambulance and hospitalisation charges - In case of emergencies, you can have the ambulance as well as hospitalisation cost reimbursed by the insurer.
- AYUSH treatment - Beneficiaries can also avail Ayurveda, Unani, Siddha, and Homeopathy (AYUSH) treatment.
- Pre and post-hospitalisation care - The beneficiaries can receive pre and post-hospitalisation facilities.
- Exclusive benefits - Certain insurance providers offer special healthcare facilities for mothers and new-born babies.
You also enjoy cashless facilities to avail medical services. This allows you to avail treatment in certain hospitals without having to pay cash immediately.
There are many companies who offer health insurance plans. You must look into the coverage, exclusions, premium charges and benefits while choosing the best health insurance policy for yourself or your family members.
