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6 Reasons Why You Must Get Health Insurance

Published On Nov 02, 2021

After the spread of the global pandemic of coronavirus disease, people have become more conscious about the protection of their health. To help the individuals in securing their health, health insurance providers have rolled out various types of health insurance plans that help them compensate for the high cost of medical treatments. It also ensures quality treatment at the private hospitals without worrying about the monetary limitations. People can invest in a suitable health insurance plan after carefully analyzing their requirements.

Health insurance plans offer compensation for ambulance charges, medication costs, room rents, domiciliary expenses, inpatient costs, pre and post hospitalization charges, organ donor expenses, and much more. With the increase in age, the premium cost of the health insurance plans also increases, therefore, it is wise to invest in a suitable plan as soon as you start earning. The health insurance plans help the policyholders who are also taxpayers in savings taxes under the Section 80D of the Income Tax Act.

6 Reasons Why You Must Get Health Insurance

6 Reasons Why You Must Get A Health Insurance Policy

Let us look at some of the possible reasons that justify the importance of health insurance plans for the policyholders:

1. Protect Financial Savings

With the increased costs of basic treatments, it has become difficult for people to receive quality treatment without ending up exhausting their entire financial savings. With the increase in age, the financial savings become an integral part of daily life, and to preserve them you can take the help of the health insurance plans that can offer you with some financial aid for your medical treatments.

Must Read: Tips To Choose Best Individual Health Insurance Policy In India

2. Change In Lifestyle

People's way of living and their surroundings have evolved over time. The atmosphere has become more polluted and due to the pandemic people are facing immense workload. Such changes in the life of the people are making them more vulnerable to contracting life-threatening diseases that can land a person in the hospital. Health insurance plans offer the individuals financial security for a long term.

3. Safeguarding Family

Health insurance plans can be bought for an entire family. Family floater plans offer financial aid to the entire family under a single cover. These plans offer equal distribution of the plan coverage to the members of the family. Due to the spread of the pandemic, it has become important to safeguard your loved ones against the possible high costs of medical treatments in case of a medical emergency.

4. Counter Inadequate Health Insurance Plans

Certain health insurance plans when bought can be insufficient to meet your future needs. In such cases, additional covers and top-up plans can be brought to enhance the existing health insurance cover. There are different types of health insurance plans that can be bought according to one's needs and requirements. Such additional covers cost cheaper than the regular health insurance plans.

5. Medical Inflation

The global pandemic has adversely affected the economy of several countries thus leading them to increase the inflation in different sectors. One of the sectors that has been affected with the increase in inflation is the health sector, due to which a lot of people cannot afford quality treatment at the private hospitals. However, health insurance plans offer affordable premium rates to the policyholders and ensure them quality treatment without any compromise.

6. Expensive Protective Gears

Health insurance covers compensate for the expenses of protective gear like PPE kits, masks, gloves, etc. that are necessary during the COVID-19 times, and add up to the medical bills resulting in the increase in dues.


Considering the above mentioned reasons, we can understand the importance of health insurance plans for the policyholders. Health insurance plans must be bought as early as possible to overcome the waiting period of the purchased policy. This helps the policyholders in compensating for the increased cost of basic treatments during hospitalization. People must carefully go through the fine print of their purchased health insurance plan to avoid any inconvenience at the time of the claim settling procedure.

Also Read: Pros And Cons of Health Insurance Portability

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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