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WHAT IS HEALTH INSURANCE ?
It is an agreement under which insurance firms consensually concur to undertake the guarantee of compensation subject to medical costs incurred, while a policyholder is hospitalized due to falling ill or getting injured due to an accident. To ensure this offering, insurance firms holds the tie-ups with many hospitals and clinics to provide cashless treatment to the insured individuals. In the absence of any tie-up, the insurer reimburses the medical expenses. The government also encourages it by rendering the tax deductions.
Benefits of having a Health insurance Policy
If you are insured, you can get cashless treatments as your insurance company would work in collaboration with various hospital networks.
Insurance policy also covers the amount paid to ambulance towards the transportation of insured.
No Claim Bonus (NCB)
This is the bonus element which is paid to the insured if the insured does not file a claim for any treatment in the previous year.
Pre and post hospitalization cost coverage:
Insurance policy also covers pre and post hospitalization charges up to the period of 60 days, depending on the insurance plans purchased.
Insurance policy also covers room expenses depending on the premium being paid by the insured.
Insurance policy also provide options for health checkups. Free health checkup is also provided by some insurers based on your previous NCBs.
Tax Benefits on Health Insurance
The amount you pay towards health insurance premium claimed as a tax-saving deduction under Section 80D. You can claim ₹25,000 annually for a health insurance policy for yourself. If you also pay the premium for a health insurance policy for your parents, you can claim up to ₹30,000 for the same as well.
Earning money is not at all useful if you don’t have a life. Think about yourself and your family and the importance of life. You know the importance and benefits of having a Health Insurance Policy. Start one, if you haven’t already.