Can You Afford Your Family’s Health Expenses?

Suffering from a disease or meeting a major accident is tragic. What’s worse is not being able to get proper treatment to overcome it due to a financial restraint. 17-year-old Sarita falls while attempting to drive her friend’s scooter, hits her head against the ground and her first thought is, ‘how on earth will my father afford the treatment if anything happens to me’. Luckily, it was a minor accident that called for minimal medical attention.
A lower middle-class income with no inherited fortune made her think about financial distress that she would cause to the family, even before she thought of her own wellbeing. Money surely can’t buy happiness, but not having enough money in the time of need can definitely cause a lot of trouble and sadness.
Not having a very high income isn’t the issue here, but not making the right investment with your income is what leads to such problems. Every time a parent doesn’t invest in a health insurance, a Sarita somewhere has nightmares of a tragedy hitting her family that they won’t be able to afford.
A healthy lifestyle is not limited to nutritious food alone, it is also about peace of mind that comes with preparedness to be able to face medical emergencies, if required. Health insurance plans resolve all such worries. Here is how it will help you:
§ Besides individual plans, insurance companies also offer family-floater plans to let you cover your whole family in one plan, that too for less.
§ Health insurance plans pay for the treatment through a reimbursement procedure or via the company’s cashless facility.
§ Your policy doesn’t just pay for hospitalization charges, but also covers pre and post hospitalization expenses.
§ You get sum assured flexibility, where can choose an amount as per your requirement and allowance.
§ With a health insurance you enjoy tax benefits under Section 80 D of the Income Tax Act.
§ After a specific waiting period, your policy covers certain pre-existing diseases too.
§ It promotes regular health check-up by paying for them by providing free-coupons or through the reimbursement process.
Look for the best health insurance in India that will end your fear of facing an unfortunate medical occurrence. Being prepared for it is half the battle won!
