Proper health insurance gives you peace of mind and more flexibility with your healthcare. The right health insurance coverage can safeguard you and your loved ones against some of the costs of unplanned or unexpected medical emergencies.Health insurance provides people with a much needed financial backup at times of medical emergencies, but it is an observed fact that till date, medical care in our country still remains largely as an expensive affair. According to various reports, India still continues to have the lowest health insurance penetration in the world. However, government's focus towards health schemes, new initiatives like, Ayushman Bharat Yojana, and capital expenditure towards healthcare may ameliorate the situation. There are innumerable reasons to have a health insurance policy in place, and if you have a family to support, you can buy a family health insurance to take care of the medical needs of your family.
Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expense, spreading the risk over a large number of persons. By estimating the overall risk of health care and expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium, to provide the money to pay for the health care benefits specified in the insurance agreement
When should we take mediclaim policy? Young age, yes this is the right reply for this question because the waiting period gets over and the premium tends to increases with the age and insurance companies gives “no claim bonus” for every year in which no claim is taken against insurance policy.
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