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Health Insurance Importance In Financial Planning

It is rightly said that no wealth is greater than health. Sedentary lifestyle, stressful work, and increasing pollution are all the reasons why you must pay extra attention to health insurance. Many experts now recommend including health insurance in financial planning as it not only helps in managing finances better but also makes you more conscious about your health.

HERE ARE SOME OF THE REASONS WHY INCLUDING HEALTH INSURANCE IN YOUR FINANCIAL PLANNING MAY BE A GREAT IDEA:

MEDICAL EMERGENCIES:

Illness can strike anyone at any time and if you’re not financially prepared, it could also cost you your life’s savings. While you may have planned for the contingencies, it’s always good to have a health insurance policy . By having a health insurance cover, medical emergencies won’t take a toll on the rest of your finances. Your insurance must have a sizable sum assured otherwise, despite having a Mediclaim policy, your financial planning will suffer.

TAX BENEFITS:

Not only does health insurance work as a great shield for your loved ones, but it also helps you with effective tax planning. The premium that is paid towards the health insurance policy, including cover for your parents, can be claimed under section 80D.

POST-RETIREMENT BENEFITS:

As long as you are earning, medical expenses might still not be stress. However, once your recurring fixed income comes to a standstill, accommodating these medical expenses could be challenging. However, a health insurance policy comes with post-retirement benefits. On maturity, some policies return the principal amount along with maturity bonus. With health insurance after retirement, you won’t put a financial burden of your medical expenses on your kids. Therefore, don’t forget to include health insurance in your financial planning.

Bharti AXA offers some of the most comprehensive health insurance policies in the country. Some of the benefits of partnering with Bharti AXA are as follows:

  1. Flexible family floating plans
  2. 98.27% Claim-Settlement Ratio
  3. Cashless claims across 4500+ hospitals in India
  4. 24/7 worldwide assistance
  5. Tax savings up to Rs. 55,000 under section 80D
  6. Renewal discounts
  7. No Claim bonus
  8. Pre and Post-Hospitalization of 60 days and 90 days
  9. No capping on room rent
  10. Annual health check-up

You can now buy health insurance from the comfort of your home. Visit our website, follow simple steps and have your health insurance policy delivered to your mailbox instantly.

Still have doubts regarding health insurance? Speak to our experts today.

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