Health Insurance

 Advantages of Having a Health Insurance

The increasing prevalence of lifestyle diseases such as diabetes, hypertension, stroke and heart attack among the young as well as the elderly people in India is becoming a major cause of concern. Having no family history of these conditions does not ensure protection from related complications. In today's fast-paced life, you must be prepared for a medical contingency at all times. This is where a robust health insurance policy can help. One of the major health insurance benefits, in the face of a medical emergency, is that it allows you to take your mind off the stress related to healthcare costs and focus on the treatment instead.

 

Introduction

Remember, a medical emergency can occur anytime, irrespective of your present good health or disciplined lifestyle. Therefore, it is important to have forethought and protect your family and self from any unexpected medical situation. Be prepared and stay financially protected to deal with health-related risks in advance. This is even more important if you have dependent elderly parents at home as they are more vulnerable to infections or other diseases. If there is a requirement for hospitalisation or surgery, the expenses can rise to excessive levels and drain your savings suddenly. In addition, the situation and the treatment costs together can put you under a lot of stress.

However, if you or one of your family members is diagnosed with a chronic illness, a health policy will let you be relaxed about healthcare costs and allow you to concentrate on the treatment process instead. Also, the insurers facilitate free annual health check-ups for all policyholders so that you are aware of your health condition and can identify a problem at the early stages itself.  These are just a few of the many advantages of health insurance. Let us look at some more benefits of having an insurance policy.