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Insurance Article

How to reduce expensive Medical costs?

July 27 2009

Many of us prefer to purchase health insurance, popularly known as Mediclaim to avoid financial risk and ensure medical care for the future. The importance of health insurance is growing steadily across India. The insurance companies in India are learning their lessons from the global insurers to make sure that they bring innovative plans to foster health and well-being of patients.

The new private players in the insurance industry have widened their health insurance coverage package due to the modifications in the law. The health insurance industry has benefited immensely due to the rise of the new players. These companies offer reliable medical insurance that takes care of medical expenses, which may bother you each time you visit your doctor or a hospital for a medical check-up.

Most of the companies offer a health insurance that includes cashless facility at a variety of hospitals. In this case, those who have tied up with the insurer do not have to bear a large portion of the amount from his own pocket, which is directly managed by the Third Party Administrator (TPA). A comprehensive Medical insurance covers costs and expenses on blood, oxygen, Operation Theater, appliances, anesthesia, X-rays, dialysis, chemotherapy, medicines and drugs, pacemaker, artificial limbs and cost of organs. The above mentioned medical expenses are bound to happen, especially when a patient is hospitalized. A reliable medical insurance provides much more than a usual hospitalization cover. You get a health check-up coupon on every purchase, absolutely free of cost, which can help you save your other medical costs.

In India, some health insurance plans also offer you tax benefits under Section 80 D of the Income Tax Act, 1961. Make maximum out of the tax season to enhance your savings. You can smartly plan your expenses with the help of a medical insurance policy. We suggest you to go for an online purchase of your chosen medical insurance.

Buying Mediclaim insurance online is not only affordable, but also ensures complete confidentiality of personal details. You will have access to your document and form throughout the day. You can take as many print outs you want and the hardcopy is sent to you on the provided address. You get instant insurance without any paperwork. Thus, we advise you to secure your future with a health insurance policy and reduce the medical expenses.

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