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Insurance Article

Why is it important to buy a health policy plan?

January 14 2013

With the constant increase in the cost of medical facilities, securing even the basic medical treatment for the ailing is now beyond the common man. This awareness and inflation is changing the face of health insurance in India and has promoted both urban and rural buyers to purchase a health policy plan.

When a person is young, health is generally not a concern. It is however, important to consider the possible deterioration of health later with advancing age, increasing stress and reduced immunity among several other factors. Not just that, a medical exigency can arise anytime, whether you are young or old. It is thus important to purchase health insurance cover. Some health insurance providers offer family medical insurance covers. It is essential to check who the health policy covers i.e. limit on the number of adults and children to be included in the policy, before you sign the dotted line. Such health plans are extremely beneficial as you can optimally insure your loved ones with the payment of a single premium.

A health insurance policy typically offers coverage for the expenditure made towards medical treatment. A comprehensive health plan offers enhanced coverage apart from surgeries and several insurance providers offer coverage for doctor’s visits, cost of medication and several in-patient and out-patient expenses. Some health insurance providers have special plans which cover life-threatening or critical illnesses, the treatment for which usually runs into huge hospital bills. Thus, your health policy plan keeps you prepared in the wake of any medical emergency and relieves you of the stress of arranging for finances at the eleventh hour.

The coverage offered by health insurance providers varies greatly. It is for this reason that a thorough research is important with regards to extent of coverage. Several insurance providers have a tie-up with hospitals where the insured can avail of treatment. ICICI Lombard has a tie-up with over 4000 premium health care providers where the insured can avail of cashless hospitalisation. You also need to take into consideration the amount paid for insurance premium and co-payments or deductibles, if any. All this will help you select a good health insurance plan which offers adequate medical coverage and also accommodates your budget perfectly.

Purchasing a policy is also extremely hassle-free as now several insurance providers have made their policies available online. This feature is extremely convenient for those with hectic schedules and also simplifies the renewal process of who health policy to just a few clicks.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

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