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Tuesday, August 08, 2017

5 Benefits Of Having A Health Insurance Plan

Health insurance have played a very important role for subscribers in saving and planning for health-related emergencies. Maybe you are yet to understand what health insurance really entails, or you don't even bother about it, the brief information found in this page can be of great help. Below are 5 benefits you can enjoy when you have a health insurance plan. 

5 Benefits Of Having A Health Insurance Plan


5 Benefits You Can Enjoy From A Health Insurance Plan


1. You don't need to pay for hospitalisation

Having a health insurance plan can make you benefit from cashless health insurance (indemnity based) at various networked hospitals of your insurance companies. This actually means that you do not have to pay for your medical expenses at any of these hospitals linked with your insurance firm. The insurance company have the responsibility of settling the bill on your behalf.


2. Cover for life-threatening critical illness

The fixed pre-defined benefit type of medical insurance policies provides a fixed lump sum payment upon diagnosis and confirmation of certain critical illnesses like cancer, stroke, paralysis, kidney failure, etc. Besides the actual amount spent by the insured, he or she receives the lump sum amount which can be used to fund rehabilitation, recuperation, lifestyle and adjustment, etc.


3. Get a Convalescence benefit

Some health insurance plans offer an amount for each day of hospitalisation. Do not worry about keeping records of the actually spent to claim this daily cash. The daily cash amount does not depend upon the amount actually spent.

4. Avail tax benefits and safeguard your finances

A comprehensive health insurance policy with an adequate assured amount can help you meet unplanned healthcare expenses so that you do not need to touch your savings or reroute your income. You can also prevent pre-defined tax benefits by paying health insurance premiums.


5. Get allied benefits

Healthcare systems has evolved with preventive health check-ups and improved diagnostics. Certain progressive insurance companies offer benefits that are generally not associated with health insurance policies. Some such benefits are: Free health check-ups, Tie-ups with health service providers, Discounts Coupons on healthcare services and Free Consultation with doctors
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Item Reviewed: 5 Benefits Of Having A Health Insurance Plan Rating: 5 Reviewed By: Chibuzor Aguwa