Health Insurance
You may not worry on your health, but you sure do care about your assets. With healthcare costs rising at more than 15 per cent a year, having a health insurance is becoming a stipulation.
These policies are of three types -- the first covers basic hospitalization needs; the second critical illness; and the third daily hospital cash reimbursements. Even life insurers offer physical condition covers with defined profit.
Under these, a pre-specified amount is paid as compensation, irrespective of the expenses incurred.
With or without a family, you need a health cover. For those who have a family, we advise a family floater instead of a standalone policy since the prospect of all family members needing hospitalization at one go is isolated.
Even if your employer offers group medical insurance, get your own cover. A change of job could leave you without insurance, and so could leave. And, getting a fresh cover after 45 is hard.
Importance
- Buy floater policy to cover total family
- Option for a cashless plan, keep a cashless mediclaim cards handy
- Ask insurers for a premium fee to find the cheap policy
- Keep an eye on exclusions and inclusions in the policy
- Undergo medical tests, if required
- Buy a health insurance even you have one from your employer
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