Individual Health Insurance

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Detailed information on all kinds of medical cover

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Updated information from insurance companies & IRDA

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  • What is Health Insurance

    The insurance that covers the cost of the insured person’s medical and surgical expenses is defined as Health Insurance. It covers the ‘insured’ against expenditure that could arise out of hospitalization due to reasons of illness and or injury. It is a ‘bond’ between the Insurer (Insurance Company) and the Insured, which states that the insured will pay regular premiums and the insurer, will provide the ‘financial cover’ in case of an unfortunate eventuality.

    Subject to the kind of ‘coverage’ in the health insurance, the individual may either pay the hospital the entire sum of the treatment, which would then be reimbursed by the insurance company or the insurer could make payment directly to the health care provider.

    • Who falls under the realm of health care provider?
    • Within the gamut of health insurance, a ‘provider’ could be a hospital, clinic, doctor, health care practitioner, pharmacy, and or laboratory.

    What does Health Insurance Cover?

    Rising demand from customers has given rise to the innovative and modern health insurance policies, which are designed to cover just about every unfortunate and unforeseen eventuality. These policies include the entire, albeit undesirable journey of ill-health, from being hospitalized to the day of discharge. In addition, medical expenses 60 days prior to hospitalization and 90 days post discharge are covered too, providing the needed relief from the skyrocketing medical expenses of today.

    The options and plans offered today by modern health insurance are akin to selecting from a wide array buffet – where one can select exactly one wants to ‘consume’. Health insurance companies now offer a variety of add-on features, customized according to the specific requirement of those seeking insurance.

    The ‘inclusions or covered services’ would be –
    • Hospitalization – admittance for treatment for 24 hours at least in a hospital that is in the insurer’s network or outside of the network. There are over 400 procedures covered by insurer’s today in the event of hospitalization.
    • Pre and Post Hospitalization expenses – Charges incurred on diagnosis and the reports and medication required for the treatment for which the insured would need hospitalization
    • Procedures such as kidney stone removal and cataract treatment are covered, even if 24 hour hospitalization is not required (Other OPD treatments are not covered)
    • Expenses incurred as a result of an injury due to an accident – this is an active inclusion as soon as the health insurance policy is issued

    Under the heads mentioned above, the insured can expect cover as below:
    • Ambulance expenses
    • Pre-existing disease cover
    • Maternity expenses and expenses for the new born
    • Donor expenses in the case of organ transplants
    • Ayush treatment expenses
    • Expenses for treatment done at home
    • Cash allowances to meet daily expenses during hospitalization
    • Yearly health checks

    The insured must however, read insurance documents well and check with their insurance provider with regard to the ‘cover’ they can expect.

    Key Advantages and Features of Health Policies 

    We always feel that tragedy will not strike us; that bad things happen to others. However disease, infirmity and ailment can strike anyone, at any time. Even when everyone in the family is fit and completely healthy there is no telling when disaster may strike. Opting for health insurance is one way to ensure that the family is protected if, there be an illness or need for hospitalization. Remember medical expenses can drain family resources- leaving people destitute and in huge debt.

    Advantages of health policies

    In India, health insurance is a growing segment. Very few people currently have health insurance. According to one report, as many as 80% people in India bear their own medical expenses. Less than about 20% people have medical insurance. There is a choice between individual and family cover; however the general benefits of health insurance are:

    • In the event of hospitalization for disease, illness or requirement for surgery, medical insurance cover will either reimburse the policy holder or pay to the hospital directly (as in the case of cashless policies).
    • Costs of hospital charges, doctor's fees, room rent, lab tests and surgery costs are covered by health insurance. The procedures, medications and surgeries covered could vary in accordance with the policy terms and the insurance provider.
    • Cashless policies give you access to treatment at partner hospitals (a list of such hospitals and diagnostic centers is provided along with the insurance policy) without upfront payment that would have to be made in the event of not having insurance.
    • Typically hospital stay is a requirement for making an insurance claim; however in some cases, policies may also pay for home or domiciliary expenses when treatment was unable to be carried out in hospital and had to be conducted at home.
    • Pre and post hospitalization expenses are also covered by health insurance – usually 30 days before and 60 days post discharge.
    • Health insurance policies may also offer critical illness (life threatening illnesses) insurance cover. Usually cancer, heart disease and stroke are described as critical illnesses. Depending upon the terms of a policy, other conditions such as kidney (renal) failure, coronary bypass surgery, heart of other major organ transplant and paralysis may also be covered. Critical illness insurance provides a lump sum benefit to the policy holder who is diagnosed as having any such life threatening condition.
    • Some policies also offer certain free annual routine checkup and test packages along with the health insurance policy
    • Children, seniors, people with some preexisting conditions and entire families can be insured under various plan categories. Many insurance companies also offer women specific health insurance and personal accident health insurance (recommended for people engaged in hazardous occupations).

    Features of a health insurance policy

    The Insurance Regulatory and Development Authority (IRDA) of India, lays down certain guidelines for services that health insurance companies are bound to provide. The IRDA also offers redress for consumer complaints via its grievance all center. While individual insurance company coverage and terms may differ significantly and terms also change according to the type of policy the insurer chooses, there are certain features of a health policy that remain standard:

    Extent of coverage – This refers to the sum insured or the maximum amount of coverage up to which benefits are available under a given policy. This total amount can be used more than once but subject to the maximum amount. For instance, the insurer opts for coverage of Rs 2 lakhs. When there is an in the family, a claim is made and expenses are in the region of Rs 50,000/- In this case, the individual can still make a claim to the tune of the remaining Rs 1.5 lakhs for the rest of the year.

    Insurance premiums – The amount of premium will be decided by the amount of total coverage, the type of policy (individual, family, critical illness cover etc), the age of those insured and preexisting conditions (if permitted). In most cases, no-claims bonus are offered for subsequent policy purchases if no claim was made during the previous term period.

    Making part payment – This is a clause that most insurers include in their policies (most types of insurance have this, including auto insurance) to ensure that the individual does not opt for needless procedures and remains vigilant about any unnecessary inflation of total bill amount by the hospital. Under this clause, the insured person is required to pay a certain percentage of the total expenditure incurred. This is usually about 10% of the total amount, but that number can vary in some cases.

    Partner hospitals and diagnostic centers – Usually with sudden illness, especially over a holiday or weekend, it can be difficult to find large sums of money that hospitals may be require to be deposited at the time of getting admitted or emergency surgery and so on. To ease this problem, insurance companies offer ‘cashless policies’. Insurance companies usually tie up with thousands of major hospitals and laboratories to offer patients the convenience of getting treatment without upfront payment. It works like this: the patient informs the company about hospitalization and the insurance company authorizes the hospital to proceed with treatment/ surgery.

    Tax benefits – To encourage more people to opt for health insurance, the government also offers tax benefits. According to the IRDA Health Insurance Handbook, section 80D of the Income Tax Act, permits annual deductions of up to Rs 60,000 for payment of health insurance premiums from taxable income. These deductions are also available when individuals pay premiums on behalf of aged parents.

    General exclusions – Again, while policies may differ significant form company to company, certain exclusions are standard: preexisting conditions (defined as any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and/or was diagnosed, received medical advice or treatment within 48 months prior to the first policy issued by the insurer), claims within 30 days from policy initiation, certain conditions during the first year (cataract, hernia, hydrocele, etc), costs of hearing or visual aids, routine dental treatments (unless needing hospitalization), pregnancy and pregnancy related treatments, naturopathy or similar alternative treatments.

    In conclusion, it is important to ensure one buys health insurance as per their requirement, age, occupation and budget; all the while carefully examining the terms of the policy and its exclusions.

    Benefits of Health Insurance

    “Health is a state of complete physical, mental and social wellbeing and not merely the absence of disease or infirmity” - World Health Organization.

    Most people err on the side of carelessness when it comes to their health, and the importance of remaining healthy through regular health checks comes to the forefront when someone falls ill or needs hospitalization. These unforeseen circumstances result in expenses that could create a serious dent in one’s finances. To compound these expenditures, public healthcare facilities usually never suffice for all those that do require healthcare – meaning that most people need to rely on the exorbitant treatment from private healthcare service providers. For most people, this could mean ‘digging’ into their life’s savings, which is rarely enough to meet the expenses related to healthcare in private institutions. This would be even more daunting if the breadwinner were to fall grievously ill – the family would face debts, a lowered lifestyle, and still find it hard to afford the exorbitant treatment costs.

    In the light of the above, having a comprehensive health insurance is the only way to alleviate the financial risks and relieve the stress associated from the illness and expenses. Investing in a good health insurance plan, therefore, makes for a prudent financial decision. With the pace of life becomes speedier, changes in lifestyle and costs of everything rising sharply, illnesses have become commonplace. People are finding it harder to manage their families and expenses within the income available to them, much less arrange for huge sums of money required for treatment in hospitals.

    Benefits of Health Insurance

    Irrespective of family wealth, there are some significant benefits of health insurance, which can indemnify anyone from the unexpected financial expenses associated with ill health. Given below is a list of the benefits of a comprehensive health insurance:

    • Financial protection and ‘safety blanket’ for the insured provides intense relief for the family and the person who may be ill. Knowing that the exorbitant medical expenses are covered is a huge benefit at a time of ill health
    • Given that today the insurance sector is highly competitive, all the players in this realm offer the best packages – fitting a person’s budget, specific requirements, pre-existing medical history, and a history of family illnesses can help people decide on a policy that would work best for them
    • A major benefit of a health insurance policy is that in addition to the main insured, it can be extended to cover the parents, spouse, children, and even parents in-law of the insured. This ‘insures’ peace of mind, and flexibility of the insurance cover
    • The benefits of an insurance policy can be enjoyed up to a ripe old age, by simply renewing the policy each year by timely payment of the required premium
    • The premium paid towards maintaining the health insurance not only provides benefits as mentioned above, they also help to reduce the tax liability. Tax exemption under Section 80D is a huge advantage given the ever-increasing rates of tax.

    Who can avail an insurance policy?

    Everyone needs a health insurance policy and it can be availed by anyone. However, there are some eligibility criteria:

    1. Anyone between the ages of 5 and 60 years (both ages inclusive), subject to the proposer being a major – i.e. over the age of 18 years
    2. Senior citizens too can avail the benefits of health insurance as per a directive from the IRDA, the governing body for the insurance sector. There is typically no upper age limit for entry, and some ‘insurers’ have an entry age even as late as 80 years (subject to the approval of the company’s medical underwriters). The cover is usually ‘lifetime renewability’ depending on the individual insurance company’s policy. However, it is highly advisable for people to take a comprehensive Health Insurance as early in life as possible.

    Investing in a health insurance policy, should however, not be purely from a tax savings perspective. It is a prudent investment, which saves one from rising medical expenses, inflation, and keeping our loved ones financially secure.

    Best Health Insurance from Top Insurance Companies

    Health insurance is critical and necessary

    Let us begin with the good news first – the awareness, of the need for a good and comprehensive health insurance, is on the rise. Some recent surveys corroborate this fact. However, the not so good news is that these surveys also reveal some shocking statistics and facts. At least 48% to 50% people said that health insurance is a necessity only for those who are old, while others revealed that they were sure they did not need health insurance since they were presently fit and healthy. Some others revealed that the only reason they would buy or have bought health insurance, would be due to the tax deduction possible on the premium paid. This means that saving tax is the only guiding factor, while negating the exponential benefits of health insurance.

    What should you consider before buying a Health Insurance?

    The prime criterion should be the needs of your family. This would mean the number of members in the family, their health condition, and their respective ages would be key determining factors in deciding the most appropriate health insurance policy. Check and compare online to find the most suitable policy for yourself and your family. To start with, we offer some pointers on what a good health insurance policy must cover:

    • Medical check-ups
    • In the event of an emergency, ambulance expenses could be reimbursed by the insurer
    • All medical expenses of 30 days prior and 60 days post hospitalization
    • Completely cashless hospitalization
    • Tax benefits up to Rs.60,000 on the insurance paid, depending on the health insurance bought and the age brackets of the insured persons, if the amount of premium is paid by credit/debit card or cheque
    • There is also a provision for an extended cover – specialized policies for diabetics, heart patients, maternity, senior citizens, parents in-law, grandparents and children, and even treatment undertaken internationally

    Choosing the Best Health Insurance is not Guesswork

    Comparing policies online helps you to ascertain the most appropriate health insurance policy, while saving you money. The fact is, even if you decide to negate it, that health plans are the most effective way to protect yourself and your family from the rising medical costs and are usually unforeseen. Failure to have a comprehensive health insurance cover can prove to be a major disaster, especially for the personal and family finances. Ill health could further escalate from lack of proper medical attention owing to limited finances or lead to financial duress from having to dig into savings and or taking on high interest personal loans.

    Putting all these factors into perspective, the whole idea of a comprehensive health insurance seems extremely relevant. As a consumer today the good news is that you have several great options from a number of top brands such as MaxBupa, Bharti-AXA, Tata AIG, Apollo Munich, Star Health, ICICI Lombard, and several others. We help you compare and make an informed decision about the brand and which health insurance plan you should buy.

    The Various Types of Health Insurance

    The three major health insurance policies are as follows:
    • Medi-claim for an Individual
      This is also referred to as the Individual Mediclaim Policy and covers only the insured individual for hospitalization expenses up to a certain assured sum. The annual premium would be proportionate to the assured sum.
    • Family Floater Policy
      The next or enhanced version of the individual policy – the sum assured can be ‘floated’ among the members covered under the policy. This means that a single member, in the event of a medical exigency, may use the entire sum assured. For example if the total cover is for Rs.9 lakhs and a sum of Rs.7 lakhs is used for the medical treatment of one individual, the renewal of the policy will bring the sum assured back to Rs.9 lakhs. This type of policy makes sense since each member is covered by a large sum.
    • Unit Linked Health Plan (ULHP)
      This has been recently introduced by insurance companies and combines investment with health insurance cover. A certain amount is refunded to the insured post the completion of the term of insurance – depending on the prevailing market conditions. This ‘product’ is still under development and is recommended for those who understand related products such as unit linked insurance plans (ULIPs) and unit linked pension plans (ULPPs)

    It must be understood that while health insurance is an expense, it serves as a cover and ‘blanket’ at difficult times of health duress. Under medical insurance, the insured does not receive a refund on the premium at the end of the term if there has been no claim, as with a Life Insurance policy, hence choosing the most appropriate and adequate health cover is necessary and must not be guesswork.

    List of the top 10 Health Insurance Companies in India

    • Apollo Munich Health Insurance
      The company is on the fast track – had an exceptional record of about 63.03% of Incurred Claim Ratio for the year 2014-15 (this shows the ability of a company to make payments towards claims). To top this, the company has added benefits such as lifelong renewability and portability options.
    • Star Health & Allied Insurance Company Limited
      The Incurred Claim Ratio in 2014-15 for this company was 63.96%. Their range of products include offerings for protection to people with HIV and Diabetes
    • Max Bupa Health Insurance Company Limited
      Amongst the best known insurance companies in the country, it has an Incurred Claim Ratio of 55.16% for the year 2014-15, and offers health insurance to all age groups of individuals
    • ICICI Lombard General Insurance Company Limited
      Possibly amongst the highest Incurred Claim Ratio in the year 2014-15 – 87.38%! Their top product offers comprehensive and complete coverage of all expenses that could be incurred during a medical exigency. These expenses include dental, cost of hospitalization, room rent, and ambulance charges up to a certain limit.
    • Religare Health Insurance Company Limited
      The company’s fast track growth in a very short span has been a benchmark of sorts for other insurance companies. With an Incurred Claim Ratio of 61.13%, the company is highly recommended especially by the Fortis Hospitals.
    • Cigna TTK Health Insurance Company Limited
      Despite a recent launch – in the year 2014 – this company has moved ahead with leaps and bounds, and got itself a place in the top ten players in the health insurance business. In its year of incorporation, its Incurred Claim Ratio was 64.32%
    • Bajaj Allianz General Insurance Company Limited
      This was the first company to provide captive TPA (third party administrators) services with add on benefits, and its Incurred Claim Ratio was a well-managed 73.59% for the year 2014-15. Their health products have proven to be highly beneficial for individuals of a certain age group – these products are Silver Health, Star Package, and Health Guard
    • New India Assurance Company Limited
      This company had an Incurred Claim Ratio of 98.78% in the year 2014-15. It is a fully government owned entity and has been in operation since 1919. It has been receiving huge acclaim for its medi-claim policy owing to the feature of providing different ratings for major metropolitans.
    • Oriental Insurance Company Limited
      Another fully government owned general insurance company, but with a comprehensive range of health insurance products. There is no requirement for a pre-policy medical test for individuals up to the age of 60 years – in direct contrast to all other insurance companies where a pre-policy medical test is mandatory even for persons below 45 years of age. Its Incurred Claim Ratio was 117.02% for 2014-15
    • National Insurance Company Limited
      This too is owned fully by the government, and has been in service for over 100 years, providing comprehensive health coverage. Its best product is coverage to senior citizens under the name of Varishtha Mediclaim. Its Incurred Claim Ratio for 2014-15 was 110.02%.

    Connect with us for more information and we will be happy to help you choose the best in health insurance for your family.

    The Most Ideal Health Insurance Policy

    We have discussed previously that cost of medi-claim insurance depends on a number of factors – namely, sum assured, age of the insured, their current health, and any medical history. A higher sum insured would mean a higher premium to be paid. Given the factors it is safe to say that there really is no ‘most ideal health insurance policy’ – it must be customized to fit the needs and budget of the persons insured.

    It is advisable and prudent to read the medi-claim policies carefully, and not be drawn in by seemingly attractive ‘benefits’ such as ambulance charges, other hospitalization charges, and daily allowance. The premium amount is usually spiked to include these – so you would be paying for something that insurance companies would want you to believe is a benefit.

    Different Types of Health Insurance

    1. Employer provided health insurance
      Many companies today offer health insurance as a benefit and a means to attract employees. These policies usually cover hospitalization of the employee, spouse, children, and dependent parents. If however, you feel that the cover will not suffice, it would be advisable to take an additional plan by paying for it yourself. The fact is that insurance cover must always be adequate, and additionally, if you do change your job, the insurance cover from that particular employer would cease to be paid for by them. Some companies allow the employee to carry the insurance with them. However, it then becomes a personal policy, which the ex-employee must pay for personally. Even while employed with a particular company that offers health insurance, it is advisable to check on coverage and exclusions – the fact is that companies use insurance as an incentive, and the coverage may not suffice and or there could be some critical exclusions.
    2. Health Insurance to cover the Elderly
      For a long time, insurance companies were reluctant to extend medi-claim cover to the elderly. However, today senior citizens even above the age of 65 years can be covered, and depending on the policy and insurance company, the insurer can gain up to Rs.60000 as tax benefits. Of course, the premium payable for a policy covering the elderly is a lot higher. For those in employment, we recommend speaking with your company to ensure that the health insurance provided is extended to cover elderly parents and parents-in-law. Insurance companies are usually happy to extend such cover since they would receive a higher premium in bulk.

    Tax Benefits

    The Income Tax Act – Section 80D provides exemption / relief of tax up to a certain amount, depending upon the insurance cover. Please see the image below to gain an idea before checking with your insurance company. Of course, these slabs are subject to change depending on any new guidelines issued by the government.



    Buying the Most Ideal Health Insurance

    When you visit an online site, you will discover that it is a lot easier to buy health insurance
    • Click open the site for comparing plans from a number of insurance companies, such that you can make an informed decision
    • These comparisons make it easy to buy, minus the heaps of paperwork required
    • You would need to enter some basic details, depending on your needs and preference from a health policy
    • Based on your requirements, choose the most appropriate insurance plan – a matter of minutes to insure yourself
    • You would need to complete a short proposal form, which records some basic personal information about the insured – for future reference
    • You would need to upload the documents required and make payment towards the chosen plan, and you and your family (if so) would be covered under the health insurance plan
    • In addition, health insurance buyers that live in Tier 1 cities (or Tier 2, 3 cities) should keep in mind the varying rates of hospitalisation expenses at these locations relative to their purchasing power. This should enable them to plan their expenses in case of hospitalisation or other health emergencies. Certain health care providers offer differential rates for insurance buyers that reside in Tier 2 and Tier 3 cities. Insurance websites that compare the various rates can help insurance buyers gain an adequate picture of different rates.
    • Discretion can be exercised in the matter of buying a personal insurance policy or a family floater health insurance plan. The family floater plan covers all members of a family under a single insurance policy. Family floater health insurance plans cover the primary insured (such as spouse and children) that are dependent on the policyholder. Certain insurance providers do have a provision to cover extended family as well. We note that the family floater is a useful investment because any member of the (insured) family can utilise the full extent of insurance coverage as required. Family floater plans also entail fewer administrative procedures, lower premium rates, and bestow peace of mind on policy buyers.
    • Further, insurance buyers that operate personal modes of transportation must be strongly advised to opt for a personal accident coverage policy. These policies insure buyers in case of permanent disability and other health problems that follow an accident. Certain insurance providers offer a daily benefit (or hospital allowance) in case policy buyers are unable to attend work or fulfil their professional duties for a certain span of time in the aftermath of an accident. At the same time, some personal accident coverage policies can be designed to cover temporary disablement.
    • Certain details of a health insurance policy pertain to personal choices, such as single or shared accommodation in a hospital or healthcare facility, the use of premium level healthcare services, etc. These choices should be carefully considered by insurance buyers because the choices directly impact patients’ accommodation facilities in a hospital. Certain health insurance providers enable buyers to request upgrades to their insurance plans in line with personal choice and new options that may be available to the insured.
    • In addition, current levels of annual income should be considered before buying health insurance coverage. The thumb rule in general insurance indicates that such coverage should ideally be twice an individual’s total annual income. Insurance buyers can also consult online sources and Internet aggregators to compute the ideal levels of life cover to be taken by taking into account annual income, the number of dependents, and outstanding liabilities. Certain industry sources in health insurance indicate the total sum assured should be 6-7 times the total annual income of the insured person. That said, the total requirement of health insurance coverage can be lowered in cases when the insured owns substantial assets and investments.
    • Industry experts recommend that people that earn less than 10 lakhs INR per annum, should buy coverage that is worth one and half times their particular income figure. This figure is subject to change when factors such as human life value, medical histories, needs analysis, the number of dependents, and income replacement methods are entered into the calculation. In addition, a higher amount of health coverage is recommended because hospitalisation costs, the costs of surgeries, cost of equipment rentals tend to rise with time. Therefore, a larger coverage helps the insured to gain the full benefits of an insurance policy at all times.

    Difference between Health Insurance and a Medi-claim Policy

    Most people use both terms interchangeably. However, this is not correct.

    HEALTH INSURANCE MEDI-CLAIM POLICY
    Offers comprehensive cover, managing pre and post hospitalization expenses Covers hospitalization expenses for pre-specified illnesses, for a specified duration, depending on the amount of sum insured
    Coverage for ambulance charges, compensation for any lost income, etc. depending on the riders and clauses associated with the policy Maximum limit for all claims is fixed at a particular sum based on the principle of indemnity - a 24-hour period of hospitalization is required
    Offer pre-existing disease cover, surgery and critical illness coverage, individual health insurance plans, senior citizens health plans, and preventive healthcare services. Those insured pay the expenses of hospitalization directly to the hospital, and Those insured pay the expenses of hospitalization directly to the hospital, and
    Provide cashless treatment, pre and post hospitalisation charges, ambulance charges, tax benefits, and no claim bonus options Offer cashless hospital treatment only in cases where a certain hospital operates within the network. Proper paperwork required to gain approval of a definite sum for hospital treatment
    The upper limit for claims is higher and offers some regular discounts over a fixed period. The tax benefits are also higher Reimbursements are activated when documents such as payment receipts, bills of medicine, original discharge cards, closing bills, and expense receipts are furnished to the service provider

    Documents Required for Medical Insurance Policy

    Anyone buying a health insurance online would be required to furnish a few documents to the insurance company.

    • Age proof - Any one of Birth Certificate, 10th or 12th mark sheet, Driving License, Passport, Voter ID, etc
    • Identity proof - Driving License, Passport, Voter ID, PAN Card, Aadhar Card, or any document which proves citizenship
    • Address proof - Electricity Bill, Telephone Bill, Ration Card, Driving License, Passport, should clearly mention the permanent address.

    In addition, some plans require:
    • A medical check-up, usually for people above the age of 45 years in order to make sure they do not suffer from any chronic illness
    • Passport Size Photo for a record of the insured person`s identity for future reference

    The fact is that every person today must have health insurance, based on the need and ability to pay yearly premium. By ‘covering’ oneself with medical insurance, you can save yourself from the financial burden, which unexpected illness and hospitalization brings, especially today as medical expenses have skyrocketed in an unprecedented manner. Without health insurance, the finances of the family can be severely affected – sometimes leading to heavy debt or even bankruptcy.

    Each one of us today is exposed to a variety of health hazards given the drastic negative changes in the environment. Medical emergencies can strike anytime, and with new technology, procedures, and developments in the health area, medical treatment has become exorbitant. Buying a good and comprehensive health insurance policy, at the right time can alleviate many of the financial problems and stress, when illness strikes.

    Are you covered or still exposed to some serious consequences?

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