Category Archives: Health Insurance

Health Insurance – the best gift you can give to your Parents

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Senior citizens face increased health risks with passing age from minor ailments to chronic illnesses. Fractures, knee replacement surgery, spine problems, etc are frequent amongst the elderly generation due to weakening of bones. Even one unfortunate incident of slippage may make them completely dependant or wheel chair bound or worse bed ridden. Spending Rs.2,000-3,000 or even more on a daily basis for 24/7 nurse as part of domiciliary treatment (medical treatment at home) to take care of the bed-ridden elderly can be very expensive.Presently, think about how much health cover do your parents have. I am sure none or at the most some paltry amount of Rs.2-3 lakhs. Some would be covered under your company’s group insurance scheme. While it may be a source of comfort and a good supplement, it is unlikely to be adequate.

What next to do after buying health insurance cover?

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You have bought health insurance for yourself and family. Congratulations! You have taken the right step to tackle any medical emergency. But this is just one element of preparedness. There are a couple of aspects to be taken care of beforehand as you would not have time to think during an emergency. The real test happens during the event of hospitalisation when you need to claim for health cover benefits. Here is how you can be fully prepared:

Basics you should know before buying a Health Insurance Policy

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Health insurance is a big saviour in the event of an unfortunate incident. It helps to avoid huge pay out while the insurance company foots the medical bill. The prime concern of every individual at the time of buying a health insurance policy is whether the company will smoothly settle the medical bills on time. The policy bought in the first place serves no purpose when the claim is rejected and customers have to bear expenses from their own pocket.

Do you have your independent health insurance cover?

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Everyone faces problems in life, be it a small worry or a crisis. Some are under our control and can be solved and some are not in our hands. I believe the two biggest crisis in life an individual can face is financial and health problems. The lack of financial resources could cause mental stress and affect health and likewise lack of good health can result in high medical expenses and cause financial stress.