Best Health Insurance Company in India

The Benefits of Having Health Insurance: Financial and Health Security

27 June, 2023

12 Shares

241 Reads

Health Insurance

Share

In today's world, healthcare insurance has become an essential part of our lives. It provides us with financial and health security and protects us from the high costs of medical care. Whether you are young or old, healthy or sick, having a good health insurance plan is a must. In this blog, we will discuss the benefits of having medical insurance and why it is so important.

 

Health Insurance: Panacea for Health-related Worries

Medical policies are not available free of cost. You will be obligated to make regular premium payments to be eligible to obtain financial assistance from the insurer. It is thus natural to wonder if investing in a mediclaim insurance policy will reap sufficient benefits. The following points explore the same and make a strong case in favour of buying a health plan:

 

Financial Protection

One of the most significant benefits of having healthcare insurance is financial protection. Medical care can be very expensive, especially if you require surgery, hospitalisation, or long-term medical treatment. Without insurance, these costs can quickly add up and leave you with a hefty bill to pay. Insurance helps cover these costs, making healthcare more accessible and affordable.

 

Depending on your plan, you may be responsible for a deductible or copayment, but these are usually much lower than the full cost of medical care. Healthcare insurance can also protect you from unexpected medical bills, such as those resulting from an emergency room visit.

 

Access to Preventive Care

Another benefit of having medical insurance is access to preventive care. Preventive care services include regular check-ups, screenings, and vaccinations. These services are designed to catch health problems before they become more serious and expensive to treat. Without insurance, many people delay or forgo preventive care because of the cost. This can lead to more critical health problems in the future.

 

Improved Health Outcomes

Having medical insurance can lead to better health outcomes. When you have access to quality medical care and treatment, you are more likely to recover from illness or injury. People without healthcare insurance are more likely to delay seeking medical care, which can worsen their health condition down the road.

 

Health policy can also provide access to specialised care and treatments that may not be available without insurance. For example, if you require a specialist consultation or surgery, healthcare insurance can help cover the cost. This can lead to better health outcomes and a faster recovery.

 

Employer Benefits

Many employers offer healthcare insurance as a benefit to their employees. This can be a valuable perk that can help attract and retain talented employees. Healthcare insurance is often more affordable through an employer, and many employers offer a range of plans to choose from.

 

Way Forward

With individual and family insurance plans, you have peace of mind knowing that you and your loved ones are covered and can access quality medical care whenever needed. If you are uninsured, it's essential to enrol in a health plan as soon as possible. Many states offer affordable healthcare insurance options through their marketplace, and there are also central government schemes like Ayushman Bharat that provide coverage to those who qualify. If you are employed, be sure to take advantage of your employer's health insurance benefits.

 

You must understand the different types of health plans available and choose the one that best fits your needs. Some plans have higher deductibles but lower premiums, while others have lower deductibles but higher premiums. You should also consider factors such as the network of providers and prescription drug coverage when choosing a plan. Niva Bupa is one such insurer that excels on all these parameters.

 

In addition to having health insurance, it's also crucial to take care of your health. This includes getting regular check-ups, eating a healthy diet, exercising regularly, and avoiding risky behaviours such as smoking and excessive drinking. By taking care of your health, you can reduce your risk of developing serious health problems and save money on healthcare costs.

Start Your Insurance Today!

Secure your Health with comprehensive insurance plans from Niva Bupa

+91
Disclaimer infoBy clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.

You may also like

Popular SearchesHealth InsuranceMedical Insurance Best Health Insurance PlansHealth Insurance PlansHealth Insurance PolicyBest Health Insurance PlansBest Family Health InsuranceBest Mediclaim PolicyBest Health Insurance In IndiaBest Medical Insurance In IndiaBest Health Insurance Plans In IndiaBest Health Insurance Policy In IndiaMediclaimBest Health Insurance For Senior Citizens In IndiaBest Health InsuranceHealth Insurance With Opd CoverMediclaim InsuranceMedical Insurance PlansBest Health Insurance Company in IndiaCritical Illness InsurancePersonal Accident InsuranceMediclaim PolicyIndividual Health InsurancePregnancy InsuranceMaternity Insurance | | Best Family Health Insurance plans in IndiaBest Health Insurance companyFamily Health InsuranceBest Health Insurance plans for Senior CitizensMediclaim Policy for Family

 

Health Insurance SchemesChief Ministers Comprehensive Health Insurance SchemeEmployee State Insurance SchemeSwasthya Sathi SchemePradhan Mantri Matru Vandana YojnaGovernment Health Insurance SchemeDr. YSR Aarogyasri SchemePradhan Mantri Suraksha Bima YojnaHealth Insurance DeductibleWest Bengal Health SchemeThird Party AdministratorRashtriya Swasthya Bima YojanaIn Patient Vs Out Patient HospitalizationMukhyamantri Chiranjeevi YojnaArogya Sanjeevani Health InsuranceCopay Health InsuranceCashless Health Insurance SchemeMukhyamantri Amrutum Yojna

 

Travel Insurance PlansTravel InsuranceInternational Travel InsuranceStudent Travel InsuranceTravel Insurance USATravel Insurance CanadaTravel Insurance ThailandTravel Insurance UKTravel Insurance GermanyTravel Insurance BaliTravel Insurance VietnamTravel Insurance DubaiTravel Insurance SingaporeSchengen Travel Insurance

 

Top Hospitals -  Best Hospitals in ChennaiTop Hospitals in DelhiBest Hospitals in GurgaonBest Hospitals in IndiaTop 10 Hospitals in IndiaBest Hospitals in HyderabadBest Hospitals in KolkataBest cancer hospitals in BangaloreBest cancer hospitals in HyderabadBest cancer hospitals in MumbaiBest cancer hospitals in IndiaTop 10 cancer hospitals in IndiaTop 10 cancer hospital in DelhiMulti Speciality Hospitals in MumbaiMulti Speciality Hospitals in ChennaiMulti Speciality Hospitals in HyderabadSuper Speciality Hospitals in DelhiBest Liver Hospitals in DelhiBest Liver Hospitals in IndiaBest Kidney Hospitals in IndiaBest Heart hospitals in BangaloreBest Heart hospitals in IndiaBest Heart hospitals in KolkataBest Heart hospitals in Delhi


OthersTop Up Health Insurance PolicyCorporate Health InsuranceHealth CardSection 80d of Income Tax ActAyushman BharatHealth Insurance PortabilityGoActive Family Floater PlanHealth Companion Family Floater PlanHealth Premia Family Floater PlanHealth Pulse Family Floater PlanHealth Recharge Family Floater PlanHeartbeat Family Floater PlanMoney Saver Family Floater PlanSaral Suraksha Bima Family Floater PlanSenior Citizen Family Floater PlanSuper Saver Family Floater PlanCorona Kavach Family Floater PlanHospital Cash InsuranceCashless Health InsuranceHealth Companion Price revision | Heartbeat Price revision | ReAssure Price revision 

 

COVID - OmicronCoronavirus Health InsuranceCovid XE VariantNorovirus

footer logo
Some image

www.nivabupa.com

Some image

+91 11 41743397

Some image

1860-500-8888

Some image

14th Floor, Capital Cyberscape, Sector 59, Gurgaon

  • Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: U66000DL2008PLC182918
  • 1 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.
  • 2 Since Inception refers to claim data from 2010 till December 2023.
  • 3 ReAssure 2.0 Premium: The premium is including taxes and for Bronze Variant, for a 25-year-old individual living in Delhi.
  • 4 Aspire Premium: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
  • 5 Senior First Premium: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
  • 6 Health Premia Premium: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
  • 7 SmartHealth + Disease Management Premium: The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
  • Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.
Social IconSocial IconSocial IconSocial IconSocial Icon