Is it better for everyone to have health insurance? What is your opinion? 

Health insurance is an agreement that is made with an insurance company to cover the medical expenses of a person’s illness. The insurance covers a wide range of medical expenses, ranging from general medical expenses to major road accidents. However, the full cost of treatment, according to the type of contract, is halfOr taking part in a certain part of the insurance is included. Under health insurance, the insurance company bears the medical costs, surgical costs, and sometimes even the dental costs. Although this type of insurance is mostly person-centered, it is sometimes taken out at the group level as well. Especially as a package for the employees and employees of different companiesHealth is insured.

The package mentions in some cases what medical treatment will be given to the employees of the office or business establishment. According to him, the insurance company is obliged to bear the medical expenses of the employees. However, in the case of package insurance, most contracts are partially covered. That is, in such an agreement, the employee of the organization,Employees bear half of the medical expenses and insurance companies bear half of the expenses. Medical costs are extremely high in almost all countries around the world. And in our country doctors are often called throat doctors. Everyone is dizzy about the bill for the diagnosis section of the hospital. Everybody knows the reason behind the development of hospitals and diagnostic centers like the umbrella of frogs swallowing all over the city. So, understand that it is not possible for many to bear the medical burden. So through health insurance you can easily hand over this burden to the insurance company. Hospitals often have separate contracts with insurance companies. And according to the agreement, they get various medical discounts. InsuranceIndividuals or organizations taking out insurance with or without the company get beneficial benefits as a result of health insurance.

Many people think that health insurance can be availed only if they are ill. In fact, the issue of health insurance is not limited to this. An insured person can avail various health benefits in addition to being ill as per his contract. For example, seeing a doctor regularly, various types of check-upsDo, etc. Understandably, if a person often sees a doctor in addition to being ill and has different types of health check-ups at different times, his chances of getting sick are greatly reduced. So, health insurance is necessary for staying healthy, just as it is important for the treatment of the sickInfinite.

What are the things to know before taking out health insurance?

1. Whether the company belongs to IRDAI (Insurance Regulatory Development Authority of India). You can visit IRDAI’s site to see it,Irdai Belcase U.

2. What is the past history of the insurance company? To understand that, it is necessary to form an accurate broad idea about the company.

3. What types of medical insurance coverage are available?

4. What types of diseases cannot be claimed for insurance?

5. What is the procedure for claiming insurance? . Cashless treatment means whether there is a facility to pay the medical provider company directly from the company. In this case TPA i.e. Third Party Administrator system should be available. . If there is TPA, then there are some medical centers in its network. . Whether the medical centers connected to the TPA network comply with the standards.

6. If the treatment is done outside of a medical center that includes TPA, does it have the benefit of claiming medical expenses?

7. How long the waiting period, that is, how long after the policy, will be effective for making any claim.

8. Claims are not available for some chronic diseases.

9. What types of treatment costs are available and not available.

10. Where the cost of treatment will be claimed instead of the TPA benefit, how long is the time limit for receiving the claim? 14. What is the difference in premium rates of different companies in case of equal benefit policy, i.e. premium is less in case of any company.

11. A few companies need to come up with a comparative idea about these. The terms and conditions of the insurance company are very broad and are written in small letters. In many cases it is not possible to read them patiently. So, in this case, you have to rely on the words of the company representative. It is the responsibility of the person representing the company to explain everything in detail to the policy applicant and to clarify any curiosity about it. Usually the representatives of the company do that. When that doesn’t happen, it’s time to dump her and move on. Then you have to hear, “No, you will not get this, you will not get that, there was such and such disease before such a date, all these were written in the terms and conditions of the policy”. Then I thought, “Damn, it would be nice to have another company’s policy.”Therefore, it is necessary to look at these before making a policy, so that most of the medical expenses are covered by the insurance company.LikeComment

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