Health Assist Responsibility

We at Health Assist provides complete Health insurance policies to insure you against unexpected medical emergencies and keep your family’s finances stable during such a testing time. Keeping in mind the rising medical costs and spurt of diseases buying a health insurance is mandatory. A medical emergency can knock anyone’s door and impact a person both emotionally and financially. As a result, financial advisors suggest that it is prudent to buy health insurance plan and health care policy early in life.

Top Reasons to Buy Health Insurance Plans

Let’ summarize the top reasons to convince you to buy a good mediclaim health care policy.

1. Corporate Health Cover is Insufficienthealth-insurance-critical-illness-india

With rising medical costs, the importance of health insurance policy cannot be overstated. Check the cost of a two day’s hospitalization for a regular ailment and then compare it with your company’s insurance coverage. When you will retire or change a job, your corporate health plan will cease to exist. So it is worthwhile to buy an individual health plan.

2. Increase in Incidence of Life Threatening Diseases

Sadly, India is grappling with life threatening diseases. The effect of these diseases is felt on the productive workforce from 35-65 years. Also, heart diseases among Indians occur five to ten years earlier than in any other population around the world. News about people dying in Swine flu across the country has created a panic in almost every part of India. Unfortunately, the number of people who are affected with Swine flu is more than 10,000 and the death toll has now reached to 2000. Over the last few years, the emergence of infectious diseases has increased and chances are high that these diseases may become more deadly in near future. By the year 2020, seven out of every ten deaths in developing regions are expected to be due to non-communication diseases (NCDs).

A statistical representation of increase in diseases and emergence of new ones by Integrated Disease Surveillance programme(IDSP) shows:

In the light of escalating medical costs, coupled with bourgeoning demand for healthcare services and lack of easy access of top medical facility to low income group, health insurance is emerging as an alternative mechanism to fight deadly diseases. Furthermore, most of the health plans offer annual health checkups to bolster health awareness.

3. Better Financial and Heath Care Planning

Accidents and medical emergency can happen without warning and a good health policy will ensure that you are sufficiently covered for emergencies. It is tough to compute how much you will spend on health care in a year but having health insurance plan helps you to pay for sudden medical costs. You can also buy family plans that will cover the entire family. Usually, these family plans are much cheaper than having multiple individual health plan. Also, you can opt for critical illness plan along with personal accident cover to address your divergent health care needs.

4. Tax Benefits

You can get exemption for paying the premium under Section 80D of the Insurance Act.  This year, India’s Finance Minister Mr. Arun Jaitley has increased the limit of deduction in health insurance premium to Rs 25,000 from Rs 15,000. For senior citizens, the new limit is Rs 30,000.

5. Value For Money

Besides taking care of the cost of hospitalization, health insurance companies also offer daily hospital cash allowance for expenses incurred on food, commuting from home to hospital and all other daily hospital charges. There are some insurance companies which take care of the policyholder’s recovery expenses also. Many health insurance companies have expanded their coverage ambit to include domiciliary treatment. However, these customized and high-end benefits come with higher premium so make sure to read the policy documents carefully before buying.

Why Buy Health Insurance Plan Online?

Acting as a one stop platform to compare available health insurance plans, PolicyBazaar offers quick, hassle free and convenient option to buy the best health insurance plan at a mouse click. Unlike earlier days, today’s life is fast paced and many of us don’t bother to buy a health plan due to daunting and tedious paper work. Thus, it is advised to buy a good health plan online and bid adieu to agents and lengthy paper process.

7 benefits of buying health insurance plan online

  1. Complete transparency
  2. No cheating
  3. Correct advice and guidance to help you buy the best health insurance policy
  4. Online issuance of policy
  5. 24 X 7 assistance
  6. Assistance in claim reimbursement
  7. Hassle free and quick process Guard your health and wealth with a best health insurance policy.

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