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Why is it Necessary To Have a Health Insurance?

Health insurance is one of the most common forms of insurance that appears as a helping hand during medical emergency. You have to check what all facilities your health insurance cover up. Is it only the hospitalization costs, or it covers all pre and post-hospitalization expenses. You also need to aware of what all diseases it covers, only the general ones or the critical ones too such as cancer and cardiovascular diseases.

Day by day it is becoming hard to manage the medical bills due to the rising cost of healthcare. That is the reason health insurance has become so important. 

 More info Visit- How to Choose Health Insurance?


The factors you need to notice in a health insurance are:

How much sum insured?
You must know that all health insurance policy covers only a basic sum. There are some underwriting rules of the insurer on the basis of which the basic sum is insured. The rest amount needs to be financed from your pocket. For example: If you have an insurance of Rs. 7 lakhs and the bill is Rs. 8 lakhs, then the extra Rs. 1 lakh need to be paid from your pocket. 

Which hospitals are covered?
Every health insurance companies have tie-up with different hospitals. It is necessary that you find out the network of hospitals covered by your policy, before choosing a health insurance plan. So that, you can avail the cashless treatment. 

To know about the other factors, read: Everything You Need to Know About Choosing Health Insurance

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  1. Unknown28 March 2019 at 17:52

    Hi,

    Thank you for sharing your blog. It provides a lot of relevant information. We, at policy 21st also offer health insurance policy which are full of benefits. We give you facility such as cashless hospitalisation, and also cover the expenses for pre and post hospitalisation. There are benefits of Health Insurance with us. Also, the customers can avail the cashless claim at th network hospitals or get the easy reimbursement.

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