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5 Common Myths about Health Insurance

Top myths about health insurance?

The lack of education about health insurance has given rise to many a myths and misconceptions about the same. In this article we would debunk some of the most common myths to help you understand the true value of investing in a health insurance policy.

  • The cheaper the insurance, the better it is

The first misconception is that the cheaper health insurances can provide one with better benefits. As the mentality of the people goes, if you get a thing for the cheaper price, it is better. However, it is not true in case of the health insurance plans. The best health insurance policies are not determined by the price but the kind of advantages they offer the insured.

  • Young and healthy do not need health insurance

The most damaging misconception about health insurance is that if you are young and healthy, you do not need any health insurance policy.  You should opt to buy health insurance to secure yourself from unannounced medical emergencies that can occur even when you are in the prime of your health. Further, no matter how healthy and fit you are if you meet with an accident you will have to admit yourself in a hospital, and you will have to get the treatment done. Hence the policies are available for all age groups from health insurance for senior citizens to the health insurance for kids and adults.

  • It is not safe to buy health insurance online

Another common myth is that it is not safe to buy health insurance online. People even shy away from availing the facilities like online renewal of health insurance etc. To bust this myth, we would like to clarify that if you make your payments on the portals provided by the company, it is completely safe to buy or renew health insurance online.

  • Any medical expense will be covered under the health insurance plans

Another one of the myths is that all the medical expenses, big or small, are covered by health insurance. The benefits of the health insurances can only be availed in case of illness that leads to hospitalization. Small diseases are not covered by insurance. Additionally, the list of all the things covered under insurance is mentioned in the clause section and should be read before opting for one.

  • All the benefits of the health insurance plans in India start from the 1st day.

Most people think that the benefits of the health insurance start from the day from when they pay the first premium for it. This is not true. You need to go through a waiting period of 30 days or more to be eligible for using the benefits of the health insurance. The benefits may be funds, cashless health insurance feature and much more.

There are a lot of other such myths that confuse people. Hence, it is important for you to do your research on the websites of the online health insurance company. On these you can find valid information regarding everything, and you will also be able to find the best plan for yourself. If you are unable to understand the online health insurance policy given on these websites, you can always contact the insurance company and understand the complicated terms. Remember, it is very important to get an individual or family health insurance. So, make sure you have all the right information.

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