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What Kind Of Health Insurance Should I Get?

Published On May 12, 2022

It is vital for someone in his early twenties to have health insurance coverage due to the clear elevated health risks connected with a sedentary lifestyle. It's a pivotal moment in your life, and the decisions you make now will have far-reaching consequences for the rest of your life. The need for and demand for health insurance has increased dramatically as a result of the global spread of the Coronavirus. Some people are still uninformed about the value of having health insurance and the benefits that come with it. They don't realize they need health insurance until they're in their thirties when they start kicking themselves for not getting it sooner.

What Kind Of Health Insurance Should I Get?

What Type of Health Insurance Do I Need?

You can pick between a short-term health plan that lasts 3 to 6 months and a long-term health plan that lasts more than a year when purchasing health insurance. Your decision should be based on both your medical needs and the length of time you want to use the benefits. If you have a long-term health insurance policy, such as a critical illness or family floater plan, it can be useful.
Insurers have created short-term COVID-19 health insurance in response to the coronavirus pandemic, which varies from current short-term coverage. So, before you buy health insurance online, be sure you know the differences.

Who Should Think About Getting a Short-Term Health Insurance Plan?

Short-term health insurance coverage are useful for covering unexpected expenses. For example, in the event of a job relocation, a COVID-19 epidemic, and so on. During the transition phase, temporary-term medical insurance helps to bridge the short gap in medical coverage.

1. These programs might last anything from three months to a year.
2. They're a fun way to kill time while you're exporting your health insurance plan and being covered throughout the portability period.
3. Enrolling in a short-term healthcare program means you won't have to worry about any unexpected medical emergencies during that time.
4. NRIs and students who attend school for a limited period might choose short-term health insurance (Non-Resident Indians).
5. One of the reasons individuals choose short-term health insurance policies is because they need lesser rates. Furthermore, under Section 80D of the Income Tax Act of 1961, insurance premiums are tax-deductible.

Who Should Think About Buying Long-Term Medical Insurance?

Everyone can benefit from long-term health insurance coverage. A variety of benefits come with purchasing long-term health insurance coverage. To begin, consider purchasing insurance for a longer length of time, such as one to three years. You won't have to worry about your insurance having to be renewed on a regular basis.
Long-term medical insurance plans beat short-term medical insurance policies in terms of coverage advantages. Long-term plans provide medical coverage to a certain type of policyholder based on their needs. Because it is valid for a longer period of time, long-term insurance provides more complete coverage. Such systems might include things like room rent waivers, daily hospital payments, maternity benefits, and other perks.


After studying about the benefits and downsides of each type of health plan, we discovered that each had its own set of advantages. In India, we all understand the need of health insurance, whether long-term or short-term.

Also read- The Most Valuable Takeaways From The COVID-19 Pandemic

How Can Senior Citizens Save Money On Taxes By Deducting Medical Bills Under Section 80D?



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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