5 Facts Why Choosing Health Insurance for Your Family Is the Best Christmas Gift

Best Christmas gift for family - Long-awaited Christmas is fast approaching. You might be exciting enough to make this festive season special.

Throwing cookie parties, spending on watching Christmas movies, buying gifts online for your family, or arranging for kid-friendly activities for all ages are some of the best Christmas ideas. You might tend to let each family member enjoy a healthy and happy life for long. After all, Christmas is the festival of joy.

While the festival brings a great time of the year to catch-up with friends, family, it can take a toll on you or your family health, not to mention your waistlines! The weather during Christmas has several reasons to make you fall ill. And racking up hospital bills due to illnesses or an unforeseen accident during holidays is common, with many parents admitting they go into debt during this season.  

To help you make Christmas stress-free and let your family live a healthy life, getting an adequate health insurance plan for your family can be the best Christmas gift.

Below are 5 facts about why choosing health insurance for your family is the best gift idea.

1. Chances of Getting Cold Are Higher In Winter

• Chances of getting cold in December are higher due to low temperature.
• While the winter season is not directly responsible for making people sick, the viruses that cause colds spread more easily in lower temperature.
• Exposure to cold and dry air adversely impacts your immune system and you fall sick.

By taking health insurance as Christmas gifts in India, you can get cashless treatment for hospitalisation due to cold or illness. This means you don’t have to pay hospital bills arising out of cold or illness. With health insurance, you won’t have to worry about medical expenses, and thereby festive spending.

2. Treatment for Critical Illness can Put a Dent in Your Savings

The treatment costs of critical illnesses such as cancer, liver failure, heart attack, Kinney failure, stroke, coma, lung disease, brain tumor to name a few can eat up all your savings. If you belong to a family with a critical illness history, you need to be more careful.

Click to read 'How to choose the best critical insurance plans?'

By having a health insurance policy with critical illness benefits, you can get a lump sum amount in case you or an insured member is diagnosed with any specified critical illness. So, even if you have a critical illness in your family, you can celebrate the Christmas festival with great zeal.

3. Vector-Borne Diseases Are Common These Days

God forbid if you are or your loved one suffers from a vector-borne disease during the festive season and doctor recommends for a minimum of 48 hours of hospitalisation. How will you manage?

Also, know Health Insurance for Vector-Borne Diseases?

The costs of treatment may easily go up to fifty to sixty thousand if you are in a metropolitan city. This will cause a strong financial jolt.

There are health plans that cover vector-borne diseases such as dengue, Malaria, Kala-azar, Chikungunya, Lymphatic Filariasis, Zika Virus and so on. Or, you can buy a particular plan like Vector Care as the best Christmas gift to provide coverage for all these diseases.

4. Christmas Weekends are Dangerous, Especially If You’re Driving

• A number of cases related to road accidents are reported on Christmas holidays.
• The holidays have several fatal car accidents due to heavy fog.
• The expenses incurred on hospitalisation before Christmas can wipe out all the savings you have accumulated for the festival celebration.

Health insurance can help protect you and your family from the high costs of medical care due to an accident. It pays all the bills related to hospital stays, doctor visits, prescription medicines and important preventive care.

5. Diabetes or Cancer May Cost You Too Much

For those having diabetes or cancer may fall into the financial crisis due to non-communicable diseases like cardiovascular, diabetes and cancer, etc.

Isn’t it a solution to plan earlier to overcome these expenses?

Read: Top 5 Single Disease Insurance Policies Available Online in India

A cancer-specific plan or diabetes-specific policy can stop you from falling into a financial crisis due to expensive healthcare costs. Such insurance policies cover all the expenses incurred on hospitalisation due to the particular disease.

Energy by Apollo Munich or Cancer Care Gold by Star Health can be the right Christmas gifts in India this season.

Over to You

Selecting a Christmas gift for your family is your own choice.

However, with the year coming to an end and temperature going down, the risks of falling sick are higher. So, choosing health insurance should be top of your list.

Let’s us know what you would like to choose as a gift for your family this Christmas!

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