Illnesses and stress have a strange correlation. Leading a stressful life has often been suggested as a primary cause for heart-related diseases. On a contrasting note, the mounting cost of healthcare is genuinely a cause for stress for the general Indian. That why you family deserves only the best health insurance in India.
So, how do we get rid of this vicious circle to lead a stress-free life and take care of our family’s medical need? In short, we need to choose a health insurance plan that can take care of medical eventualities without burdening us with the massive expenses.
But, more often than not, people tend to underestimate the power of a quality health insurance. We will deal with the reasons of why choosing the best health insurance can help you lead a happy life in the later segment. First, let’s try and understand how we can get the best hospitals in our health insurance.
Select the best hospital with reputed doctors
India as a country has a deficit of quality hospitals. There are more patients than hospital beds and the medical institutions in the country are gravely understaffed. As such, getting the right treatment can often come down to selecting the right hospital for you.
Now, that’s easier said than done. Most hospitals have specific specialities like urology, cardiology, oncology, etc. Such institutions which are speciality hospitals tend to have better infrastructure and medical care for their respective areas. That is why your health insurance needs to have a wide enough coverage so that it has the best speciality and multi-speciality hospitals empanelled within its network.
You need to choose the right health insurance policy in order to have peace of mind that whenever a family member is ill, irrespective of the cost, you can get them treated at the best health institution. The way to do that is by checking your prospective insurance company’s website for the list of their network hospitals. Make a list of possible hospitals that you might need in the future and try to match those names from the network list.
Be Prepared for the Unknown
There are different types of health insurance which is intended to cover various facets of medical treatment and their costs. However, 2016 data from IRDAI suggested that almost 80% of the Indian population is not covered by health insurance. Furthermore, only 18% of the urban population has health insurance.
As such, when costs of everyday medicines are on the rise, health insurance can play an integral part in your financial and physiological well-being. Here are a few reasons why health insurance can help you lead a better life.
#1 Takes care of hospitalization costs
An accident or a disease can happen at any time. A week’s stay at a hospital for even a regular disease can turn out to be hefty on the pocket. But those who have health insurance need not worry about the bill at the end of the hospitalisation.
If you’re staying at a network hospital, you’ll be eligible for cashless hospitalization, which means that you probably would not have to fork out any money. Basically, a health insurance acts as a protective cover and helps prevent financial losses, since you never know when you might need a doctor.
#2 Nation-wide network hospitals
Imagine you’re travelling to your dream destination within the country. Suddenly, you fall sick. If you didn’t have a health insurance, you would be worried dead about which hospital to choose, the cost of treatment, and other such cares. But a person who is covered by a policy can easily refer to the network hospital list in that particular city and get treated at almost no cost.
So, irrespective of your geographical location, you can still get treated at a premium hospital at very low or no cost.
#3 Day-care treatments covered
One of the prevalent misconceptions about health insurance policies is that they don’t cover day-care treatments. Day-care treatments are those procedures that do not require 24-hour hospitalisation. Fortunately, all major insurance companies have policies that provide for day-care treatments.
So, even if you do not get hospitalised for more than 24 hours, you’ll still get treated at no-cost.
The average Indian does not get hospitalised every year. But when they do, it’s usually a costly affair. A health insurance helps you take care of that and more. It provides security and coverage irrespective of whether you’re travelling out or in your hometown. You get to be treated without the fear of running down a huge bill and some policies even provide special compensation when you’ve contracted a critical illness. So now that you’re aware of the benefits of health insurance, head on to Coverfox.com and start comparing health insurances.