This is the question you may have asked several times from yourself by getting influenced from certain ads running and encouraging you to buy a health insurance policy. However, to get this question answered from within is a challenging task for one. The reason being, we do not really know a few important things about a health insurance policy and get stuck from taking a wise decision for our own self. Understand first the basics of health insurance.
Importance of having a health insurance policy: The unhealthy atmosphere has created the need of having a health insurance policy for everyone. No matter how healthy or young you are. As they say "Prevention is better than cure".
Having a health insurance policy can sometimes save us from getting trapped into troubles as we many times ignore minor diseases till the time they get worse. The reason being we don't want to see a doctor for little things to avoid the high consultation fee and diagnostic charges which will not be the case if we'll be having an appropriate mediclaim policy.
Answer these questions:
1. Do you have a pre-existing illness? - you should know that the pre-existing illness or the conditions which are already present in your body at the time of buying a health policy will not be covered by your insurer for first four years of the policy. So you should buy your health plan before you face the consequences of your pre-existing illness.
2. Are you more likely to inherit a genetic disease? - Diseases like diabetes or hypertension are tend to be there in one's body from their parents or grand-parents. Be prepared for such conditions before they occur and lend you in trouble.
3. Married and planning kids? - Maternity expenses are really tough to bear in today's scenario with rising medical costs everyday. Buy a family-floater plan for yourself and your spouse before planning the kids to avoid such huge maternity expenses.
Tips: - Buy health insurance policy if you've dependant parents with you. Buy a family floater plan rather than individual policies for each family member of yours.
- It's better to have a health insurance policy very well in time at the young age as it'll be tough to have one when you're diagnosed with a serious medical condition.
Warning: Don't commit the mistake of thinking I am too young and quite healthy to buy a health insurance plan at this young age. Remember, the early you by a health insurance plan the lesser will be the premium for you.
There are a number of Health Insurance Companies offering customized plans. Come at Bima Deals and choose the best suited to your needs depending upon you're looking for a family-floater, individual, senior citizen or a new-born covering plan.
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