Top 5 Health Insurance Benefits That You Must Know About

अधिकांश लोग हेल्थ इंश्योरेंस खरीदने में तब तक देरी करते हैं, जब तक उनके साथ मेडिकल इमरजेंसी की घटना नहीं घटती है. ऐसा इसलिए होता है, क्योंकि लोग सोचते हैं कि वे युवा और स्वस्थ हैं और उनको इंश्योरेंस की आवश्यक नहीं है हेल्थ इंश्योरेंस कवरेज. इन लोगों में से अधिकांश की तरह, आप यह मान सकते हैं कि जब आप हेल्दी लाइफ स्टाइल अपनाते हैं, तो आपको कोई मेडिकल एमरजेंसी नहीं हो सकती है.

However, life is uncertain and you may never be able to predict when a medical or accidental emergency can strike. Treating a serious ailment and hospitalization is expensive and may cause havoc to your financial situation. Therefore, protecting yourself and your loved ones from financial distress during such emergencies is important.

5 हेल्थ इंश्योरेंस के लाभ:

1. प्रतीक्षा अवधि

   Whether you buy health insurance online or offline, most plans come with a waiting period. During this time, you cannot file a claim even in case of a medical emergency. Therefore, when you are young, you will be able to complete the waiting period without higher risks of suffering from any health issues.

2. आर्थिक सुरक्षा

   The probability of suffering from any major medical condition is less when you are young as compared to the elders. As you age, the possibility of suffering from major illnesses is higher and hence lesser chance of getting a health insurance cover. When you buy a health insurance at an early age, you are better poised for getting a health insurance coverage and hence when the need arises it gives you greater financial security.

3. प्रवेश की आयु पर प्रतिबंध और पॉलिसी की स्वीकृति

   Few health insurance policies come with a ceiling on the upper age limit to buy a health insurance. Therefore, if you wait for a longer period, you may be unable to procure a health insurance online or offline due to the entry age limitation. This is not a possibility when you decide to purchase a health insurance plan when you are young. When you have lower possibility of suffering from a medical condition, the possibility of rejection is very low. Therefore, you are able to enjoy health insurance coverage for your entire life through renewal.

4. उच्च कवरेज लिमिट और मेडिकल चेकअप की कम संभावना

   One of the benefits of health insurance at an early age is that you are able to maximize the coverage. Insurance companies today offer health plans that come with wide coverage amount like Rs 2 Crores and even more. They also doesn’t call for any medical checkup up to a specific age and specific Sum Insured which is usually higher at young ages. If you delay your decision of buying a health plan and when you are older, the coverage costs may increase by way of loading of premium because of the higher risk of medical complications.

5. नो क्लेम बोनस (NCB) एक्यूमुलेशन

   When you do not claim during the year, the insurance companies offer you a No Claim Bonus (NCB). If you buy health insurance when you are young, you are able to accumulate a higher NCB for each claim-free year. The NCB increases the coverage amount under the health insurance policy, which makes it advantageous, as you grow older. You will be able to enjoy a higher coverage when you are older and the possibility of suffering from any medical condition increases.

   Health is wealth and erratic modern living is resulting in the increase of lifestyle diseases. Combined with rising healthcare expenses, an illness may cause huge financial distress. Therefore, you must safeguard yourself against such possibility with a health insurance at an early age.