Whether you are an insurance agent, work for an insurance company or are someone’s well-wisher, telling people to get health insurance is an important task.
Thankfully, most people understand the importance of health insurance and make the proper investments, but some don't. It is your job to convince them to get a comprehensive health insurance policy as that brings forth many benefits. Take a look at this article to know more.
Reasons to Buy Health Insurance
If you have the task of convincing someone to buy health insurance, you can try telling them the benefits of this investment, which include:
1). Well-rounded health cover
It is very important to have proper health insurance protection. A medical emergency can arise at any time and leave you exhausted, health-wise and money-wise. This is why you need insurance coverage that can help you to deal with the situation when needed. A health insurance plan offers crucial covers such as in-patient charges, surgery charges, ICU charges, etc. This allows you to recover from the illness comprehensively. Health insurance can be used at most leading hospitals and medical centres, so it becomes vital for everyone to get a policy.
2). Easy to keep loved ones safe
As the head of the family, it is your responsibility to ensure all the family members stay healthy and happy always. Hence, buying a health plan becomes important as this allows you to keep your loved ones protected. As soon as any illness or injury shows up, the best treatment is taken and the recovery happens quickly. This becomes possible only when you have a good health insurance policy in place.
3). Flexible coverage
Health insurance in India is quite flexible. Apart from being available in several categories such as family floater plans, individual health insurance plans, senior citizen health insurance plans, critical illness plans, senior citizen plans, and so on, the policies can also be customised. You can get add-on covers attached to your policy to make it tailor-made for your requirements. The flexibility factor makes health insurance very useful and is another reason why everyone must have it.
4). Huge financial protection
The average cost of a 3-day hospital stay can be around INR 2 lakhs. The amount may go up if you need to have surgery or any other medical procedure. In the absence of a health insurance plan, you will have to pay the bill out of your own pocket and this can instantly drain you off your savings. However, if you have a health insurance plan in place, the insurance provider will directly settle the bill and you just have to focus on your recovery. This is one of the biggest advantages of health insurance and a major reason to buy a policy.
5). Tax Benefits
There are some other practical benefits of getting health insurance and tax savings are one of them. You can save a lot of tax money when you buy health insurance. Tax rebates up to INR 25,000 are available under Section 80D of the Indian Income Tax Act.
6). Easy to Buy
It is very easy to buy health insurance in India. You can go online and make an instant purchase. You can also use the help of an offline insurance agent and get the work done smoothly.
7). Lots of options
There are many good options when it comes to health insurance in India. You can compare the plans and choose the best option. The modern-day health insurance providers offer some excellent covers at very competitive rates, which makes it easy for everyone to own health insurance.
As you can see, health insurance indeed brings forth many useful benefits. Once you communicate this to the person, they will surely be convinced enough to buy a good health insurance plan from one of the best health insurance providers in India.
How to Get Health Insurance?
Health insurance in India is available in two forms - online and offline. Here’s a detailed lowdown:
Buy Online
You can easily buy health insurance online. All you have to do is visit the website of your preferred insurance provider and enter your requirements. Then, you can go over the available plans and select the one you wish to get. Next, you have to enter your details in the application form. If you are young and healthy, the policy will be issued to you instantly. If however you have certain health complications, the insurance provider will ask you to undergo a pre-policy health screening. Once that is done, the insurer will tell you about the premium rate. Pay the premium and get the health insurance cover within minutes.
Buy Offline
If however you prefer the old-school method, you always have the option of buying health insurance offline. Many insurance agents help you to do so. Get in touch with a good health insurance agent and ask them to guide you. You will be guided on everything from choosing the correct coverage to paying the premium.
To Wrap it up
Health insurance is one of the biggest requirements of life. You need to have a good policy in place. If you know someone who has not invested in a health insurance plan yet, speak to them right away and convince them to get proper coverage right away. Keep all the points mentioned above in mind and talk to them about each factor. Also, advise them to do proper research and be aware of their exact requirements. Also, getting sufficient coverage is of utmost importance, as being underinsured is an extremely unhealthy practice. Help them choose the best plan from among the best policies, and also remind them to renew their coverage on time, as that is needed for continuous and uninterrupted health insurance coverage.
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