There are some misconception and myths regarding health insurance which impacts one's decision while investing in health insurance. In the article 5, such common myths busted to help you take a wiser and smarter decision.


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Health Insurance Policy Myths

People have varying misconceptions about health insurance policies. These have been primarily because of lack of financial education and spread of misinformation. Let’s dig out and bust some of these myths.

1. If you are young and healthy, then you don’t need health insurance

One of the most common myths among people is that if you are at a younger age and seem healthy, health insurance is not required. However, this can’t be further than the truth. The ideal time to invest in health insurance is when you are in the pink of health. When you are healthier, you pose a lower risk to the insurance company which indeed reduces the premium costs. Your chances of suffering from pre-existing illnesses would also be lower. Hence you don’t need to deal with long waiting periods.

2. Benefits of an insurance policy can be availed from the First day

Most individuals assume that they can avail the benefits of the insurance policy from the day when policy is purchased. However, it is important to note that there is something known as the waiting period in the insurance policies. One cannot file claims before this waiting period lapses. The minimum waiting period for most health insurance policies is 30 days. However, it varies from policy to policy. Any pre-existing diseases are covered after 4 years only.

3. Cheaper Premium is the First Preference

Usually, people tend to favour the cheaper premiums with the misconception of low or no use of health insurance. However, cheaper policies come up with various restrictions on a number of useful features. One should not compare two policies based on the premiums. However, comparison in accordance with the features is valid.

4. Insurance reimburses all your medical costs

Another common myth is that the health insurance provider will reimburse 100% medical costs. The truth is you get the reimbursement if you are hospitalized for more than 24 hours except for certain specified treatments. Even then, you may not get 100% medical cost reimbursement as your insurance policy may have sub-limits. For example: the room rent is considered at 1% of the total sum assured so if the cost goes beyond 1% then the insured person needs to pay the extra cost. In other words, if the sum insured is Rs 3 lakhs, the insurer will pay Rs 3000 per day for the room rent. This means you are eligible to claim Rs 3000 per day towards your room rent and not a penny more. So be aware, the insurance company is not liable for 100% reimbursement.

5. Purchasing health insurance policy online is Unsafe

Buying health insurance online is much easier, and safer nowadays. There are various benefits of purchasing health insurance online. You can research as much as you want, you can read multiple reviews and find out all the points and features of the policy directly from the dedicated website. Reading these details carefully enables you to make the right decision. Moreover, online payment processes provided by insurers such as Bharti AXA GI are convenient and quick.

Above are some of the common myths but there are plenty of them among the people. The only key to get over them is to make yourself aware of the need for health insurance policy so that you can approach it the right way. Don’t consider it as an unnecessary expense or as a mere tax saving investment. Instead, consider it to shield your finances in the era of rising medical expenses.