HEALTH INSURANCE

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Health insurance is the insurance which protects from any health emergencies & incurred hospitalization expenses. In this busy and hectic life everybody should have a health insurance policy which can be very useful in emergencies. Health insurance also known as mediclaim policy means medical policy which have the same meaning.

It is a contract between the Insurer & the Insured wherein the former agrees to pay to the latter hospitalization expenses to the extent of an agreed sum assured in the event of any medical treatment out of an illness or an injury. In the nutshell the Health Insurance is a policy which covers you & your family against medical expenses due to sickness, accident etc. The Insured in return has to pay a regular premium to the insurer.

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Why Mediclaim policy needed?


  •  Every human suffers from some illness or injury in lifetime.
  •  Emergencies or illness can come anytime without giving any warning.
  •  There are no good facilities in government hospitals whereas private hospitals are too expensive.
  •  Doctor’s fees, diagnostic charges as well as the medicines value are too expensive. Health is wealth.

When should we take mediclaim policy?


Young age, yes this is the right reply for this question because the premium tends to increases with the age and insurance companies gives “no claim bonus” for every year in which no claim is taken against insurance policy. Also this policy also comes with tax benefit of 80D of income tax.



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