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Health insurance is an insurance policy that will pay specified amounts of money to cover medical expenses or treatments. Employer-provided health insurance policies, also known as group health insurance policies, offer employees many different options for insurance coverage. Health insurance is the foundation of a comprehensive benefits package for employees. It is the preferred benefit of the majority of people who work.
Medical treatment has become progressively more expensive over our lifetimes. The cost of healthcare has risen faster than inflation for over a decade, and ironically, the impact of new technologies, procedures and drugs – all of which help us live longer and healthier lives – is also to keep pushing costs up. For some procedures, the costs run into tens of thousands, and if you don’t get health insurance, you could have to fund things out of your own pocket.
There are also tax and cost reasons to get health insurance. If you don’t get health insurance by the time you turn 31, every year you wait after that will cost you more – it means that your premium will be increased by 2 percent for every year past the age of 31 when you don’t have private health insurance. There are also tax rebates for most income earners that reduce the cost of private health insurance.
You can get health insurance via a simple online comparison. Many websites provide health insurance quotes that are tailor-made for you. All you need to do is enter your details and a list of health insurance policies will be available to you. You can compare them to see which policy suits you best. You can even purchase it online. Comparing policies before purchasing them enables you to get the best coverage at an affordable price.
There are some important restrictions to keep in mind when you get health insurance. These restrictions tend to mean that either the total cost of some services isn’t covered. You may have to pay some of the total bill yourself – this is known as the deductible, and before you get health insurance from a particular fund, it’s worth finding out how extensive their agreements are with particular hospitals and doctors to cover gap payments.
Health insurance can save a lot of money that you might, otherwise, be required to spend for healthcare. But you have to make sure that your policy is suitable for you. Just as two people are never alike, the same policy will not suit everyone. So, shop around before you purchase.
It is very essential to have a health insurance policy. Author Pranav Sharma is an experienced insurance professional and widely read expert on general insurance based in Mumbai. Pranav helps readers opt for best health insurance policy in India.
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