How health policies will help you during medical crisis?

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It was the happiest moment in life of Vinit Shejwal – my best buddy as they had bought their new house and had shifted few days ago. He threw a lavish party for everyone of us and we gave best wishes for his future. Since, Vinit had purchased the house little bit away from town side, his father had to travel everyday to handle the business in town. Just like any other day his father visited his office and was travelling by train at home during which he got a sudden pain in his chest. He immediately called Vinit’s uncle at the station who then quickly rushed him to the doctor. Doctor asked them to get him admitted very urgently as it was a heart attack. After all the tests, doctor suggests Vinit for an angiography since the blockage was around 99% and the costs would incur somewhere around 5 lac. For a moment I and Vinit were in a state of shock, but without delaying for a minute we asked the doctor to go ahead with treatment. Vinit seems to be little worried, after consoling him obviously my next question was how will you arrange the finance buddy? For which he replied, “I have taken a health insurance policy and my parents are well covered as well.”

The point is inspite of Vinit being well settled in life, he ran in a state of shock taken into consideration his father’s critical attack and the treatment costs. Just like my friend Vinit there are millions of people in India who may live a lavish & well settled life but criticality of health will never come knocking at your door. Its’ uncertain and all of sudden. Therefore, owning good health insurance policies would be the ideal way to safeguard yourself from the health horrors of life. Health covers are becoming imperative in today’s world, whether for you as an individual or securing your family’s health. It ensures you receive the best possible medical treatment in an emergency medical crisis and also helps you save your valuable money earned.

Health insurance policies are one of the smartest move in today’s time and age when stress, hectic lifestyle, environmental degradation induced diseases are on the rise. Sedentary work, poor eating habits, long working hours, adolescent habits, living in far flung cities, work related stresses, are some of the other factors that affect individual’s health, especially the young section of the society. Therefore, whether a single, married or family person owning health policy would be smart choice. Secondly, since you have to pay fraction of the actual medical costs if the need arises, your financial stability stay intact. You don’t have to borrow money from friends, family members or take loan during such time. You hold your respect in front of other as well. You can either pay an upfront amount to purchase your insurance or make payments in installments.

Some of the benefits of health insurance policies:

  • You avail cashless treatment in any of the network hospitals
  • Covers pre and post hospitalization expenses up to the specified number of days
  • Reimbursement facility if availing treatment in non-network hospital
  • Ambulance charges covered
  • Room Rents
  • Doctor’s Consultation time-to-time

Health insurance policies are designed in such a way that they cater to all your financial requirements of the time. It mentally and emotionally stabilizes your mind during medical crisis. The cashless facility offered by health insurance providers is indeed a boon for people as arranging for last minute cash for medical treatments can be a burden on anyone. The best way to buy policies would be online as you get a premium quote from the website, compare policies in terms of benefits & features, discounts & deals, payment modes, claim procedures, premium costs and lastly purchase it anytime and anywhere at the place and time of your convenience.

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