Medical Insurance Policy
Stay prepared to combat medical emergencies Tomorrow is uncertain. As long as it brings happy and fantastic days everything is merrier in life. But if it’s an unexpected accident or critical illness for which you are admitted things will go haywire for you. For a moment there will be tensions running into your minds. More than emotional and physical stress it’s the financial stress that will keep your disturbed. During such dire situations owning a medical insurance policy would be the best possible way to shelter yourself and your family. Medical policies have become imperative in today’s world, whether you want to secure yourself as an individual or for securing your family.
Today, owning a medical insurance policy is probably the smartest move by an individual. There are various factors that contribute to uncertain health issues like rising pollution, hectic lifestyle culture, stress, hereditary disorders, place of living, occupation, poor eating habits etc. So it is better to stay prepared pre-hand to combat such medical emergencies of life.
Types of medical policies: In India, there is range of policies available suiting as per your varied requirements. You have individuals, couples, nuclear families, women oriented, family floaters and even extended families cover.
While buying medical insurance policies: •Understand your family or individual needs, income source and then decide a suitable premium for medical policy •Buy a medical cover which gives your lifetime renewability as it is important to get covered properly during old age. •Opt for policies which gives you a restore limit or super top up just in case you fully utilize your sum assured
•Try to be as transparent with the companies as possible. Never lie and hide information. If you have pre-existing ailments, any habits like smoking or drinking, hereditary disorders share it honestly with them.
•Check out for the inclusion and exclusions in your plans. Each medical insurance policy has distinct characteristics that cater to requirements that you might feel appropriate for yourself or family. You can get special cover like ‘heartbeat’ plan for individual, couples and nuclear families, pre and post hospitalization medical costs, costs of all day procedures, emergency ambulance costs and hospitalization expenses. You can choose the plan as per your needs and requirements and amount of financial support your family requires. Medical insurance plans are the best helping hands to remove the hassles in our lives. [Source:https://medium.com/@sanjaybist /stay-prepared-to-combat-medical-emergencies-a5c98471405c#.mq5xtx1gn ]
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