My Husband and I
are both working, Quite busy and hectic schedule, but we felt
happy that we earn twice of what other families earn with a
single earning , we were quite happy with saving, When it came
to our health insurance. We said to ourselves, “what would
happen to us that we would incur a huge medical expense? Let's
not worry about it and keep our savings strong.” But trouble
was just around the corner.
My Husband started
having serious Hip Pain and was not able to walk, it all
happened suddenly, Doctor attributed to Avascular Necrosis.
They continued to treat him with various treatments, it was
Core Decompression, stem cell, and Medication and what not,
then finally came to solution of Hip replacement. I still
remember the day the doctor called us into his office and gave
us the news. Suddenly, all our plans for the present and the
future seemed quite trivial against the monstrosity that we
now would have to deal with.
The doctor told us
that we needn't worry too much as after hip replacement
everything would be fine, my Husband underwent Bi –lateral hip
replacement, the nightmare had but it also left in total
destruction of our finances and left us nearly bankrupt. The
doctor's bills, the cost of stay in the hospital – we didn't
take chances and had her admitted to one of the most expensive
places in the city – and the overall cost of having him
treated, tested, treated again, and the loss of income due to
taking enormous amount of leaves had rendered us nearly
crippled financially. And to think of it, we could have
avoided all that heartache – at least by simply opting for a
good medical health insurance.
We have learned our lesson the hard way, and now that we have
started investing in protection plans right from life
insurance to medical insurance, we now have a little less cash
in the bank, but we know that we're now ready for any
adversity that may come our way. – Mayuri Patil, Director
If you think you
do not need Health Insurance; then think again. The
uncertainty is the valid reason to get a health insurance.
Life is filled with risks. Risk management is indispensable
and insurance is just a form of handy risk management.
can be individual or corporate; it is required to protect a
person and his family from financial loss caused by the
expenses of medical care. It takes care of your health and
also prevents you from expenses. Health insurance is a policy,
which can be short term or long term and covers for any health
related issue. The insurance company pays an agreed sum of
money to the concerned policy holder; the risk of death is
high for uninsured persons as they do not get
disease-prevention service than insured ones.
or a medical insurance policy is a shield to protect your
health from the impact of illnesses as it helps in reducing
the financial impact and also the mental trauma.
Q What Does health
Word insurance is
derived from – Sure. Health insurance policy is an agreement
between an individual and an insurance company. This policy
will include benefits such as tests, medicine, Doctor fees,
surgery charges and other medical treatments. When an
Insurance policy is issued by the company, then it implies the
insurance company has agreed to cover the cost of a particular
set of benefits listed in the policy, which are known as
"covered services". Cover medical treatment in case of illness
and accidents. Get good medical care without worrying about
Q Why Health
Saving money is
like earning money, High medical expenses have stretched
Common man to uncomfortable financial limits to get proper
treatment for himself and his family.
Q How much cover
do I need?
If you earn more
than 7 lakhs per year, get a cover of at least 7 lakhs.
Anything below that, take a cover equal to your annual income.
Q What’s Health
A good health
insurance plan covers the following:
cover ensures that expenses on hospitalization are covered by
your insurance company. Under this the medical expense
includes pre, post tests, doctor fees, room charges, medicines
and expenses on surgery.
companies provide cashless claims where the medical expenses
are directly settled between the hospital and the insurance
is said to be wise investment, it takes care of your medical
emergency and also saves your tax. This is the benefit of
health insurance. Tax exemption is received by the insured
person on the premium paid each financial year. This implies
that while he is protecting his health, he is also reducing
his tax deductions and saving money from his income.
Another benefit of
health insurance is that the insurance company also covers the
expenses for treatments received prior to hospitalization and
during the recovery period and this is very helpful for the
insured person as he might not have an alternate source of
income during those trying times.
It’s called as
Umbrella policy, it covers entire family, and Floater plans
imply the health insurance that covers the entire family under
one policy. The floater plan allows the coverage of the
medical insurance policy to be shared among the family
This is exactly,
why health insurance has become necessary in this fast paced
modern world. Health care has also become very expensive. It
is very important to procure a health insurance plan and
maintain it regularly.
Why this insurance? How this insurance is helpful?
We know you must
be lost, to get you a right insurance Apka Doctor has a
professionally certified team, which would guide you and help
to get best Health insurance available to protect you and your
Family form unplanned illness.
Send Query :
Call us : 961-94-961-21