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Why A Person Who Gets Sick Often Needs A Health Insurance Cover

Health problems usually come unannounced. As a result, people are often under-prepared to tackle them – both physically and financially. Somehow if we could know beforehand that a particular health condition is going to strike at a specific time, we might be able to make the necessary arrangements and take down the problem.

However, such is not the case. Instead, health ailments often cause significant dents into our savings. Therefore, contingency planning, especially in the form of a health insurance policy is paramount.

By offering a financial cushion to tackle the up-surging hospital bills, a health plan comes as a blessing for everyone.

What Is A High-Risk Profile?

From the insurer’s point of view, an individual may be considered to have a high-risk profile, if he or she raises any one of the following red flags at the time of buying the policy:

Pre-existing Health Issues

Hypertension, high diabetes, heart-related ailments, or any other diseases, which the buyer is already afflicted with, are known as pre-existing illnesses. If the severity of such conditions is high, it classifies as a high-risk category.

Family History

The family history is an important consideration while determining ailments that may occur due to a hereditary medical condition.

Lifestyle Habits

Drinking, smoking, and chewing tobacco are some lifestyle habits that are considered high-risk if the dependence on them is high.

Occupation

The insurance company also weighs-in the risk related to your profession. In case you are engaged in a high-risk profession such as mining, adventure sports, and aeronautics; you will be categorized as a high-risk individual.

Despite these limitations; however, high-risk individuals must purchase health insurance. Due to the higher health risk, the chances of these individuals needing medical care increases. Without a financial buffer, they will have to dig deep into their pockets to pay for the treatment.

Why Is It Important to Buy Health Cover?

Rising medical costs

In the past few years, the costs of medical treatment have increased dramatically and are likely to increase further in days to come. In case of a medical emergency; therefore, you may end up spending all your savings in a single go. On the other hand, if you have a health insurance policy, most of the expenses incurred during hospitalization will be covered by the insurer.

Tax Benefits

The premium paid towards a health insurance plan is eligible for tax deduction under Section 80D. Therefore, you can claim up to Rs. 25,000 as a tax deduction for the health insurance premiums paid for yourself, your spouse, and your children.

Moreover, if you also include your senior-age parents (above 60 years of age) into the health plan, you may claim tax deductions up to Rs. 75,000.

Additional Benefits

Health insurance plans offer additional benefits such as cover for ambulance, day-care, health check-ups, and vaccination expenses. Moreover, insurance companies provide additional benefits in the form of riders on their policies.

Coverage of Pre- and Post-hospitalization Expenses

Health Insurance plans not only cover mainstream medical costs but also help take care of the pre- and post-hospitalization expenses. Therefore, having health insurance enables you to take care of expenses such as diagnostic tests, pre-hospitalization, and post-hospitalization.

A comprehensive health insurance policy provides all-around protection against severe health conditions and treatment costs associated with them.

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