Medical Insurance: A must to live healthy life

By: Pranav V Sharma

Health is a state of well being, sound and disease free. Being considered as benediction, good health aids in living life to the fullest. So, donít you think itís the most important state of being that needs to be insured? Yes, it is indeed. And now that it is possible, it is really important for all to get health insurance. All thanks to health insurance for making it easy to insure oneís well being. There is always a great risk of incurring huge medical expenditures on individuals, health insurance is insurance against this risk. Health insurance is extremely valuable in todayís sedentary lifestyle as ill heath has financial implications. Medical expenses and lifestyle diseases run parallel and are on the increase day by day.

When you or your beloved gets admitted, the clouds of worry that gather in the minds are that of paying hospital bills. At this time of crisis, a sigh of relief is obtained by heath insurance or medical insurance policies. It is better to take insurance when we and our beloved family members are healthy and not wait for some mishap to occur. These insurance policies cover the expenses of hospitalization during the treatment as per earlier mentioned terms and conditions in the policy. It may also cover the expenses of pre hospitalization phase and post hospitalization phase. All that you have to do is pay premium of the health insurance regularly. Premium is a small amount of money that is usually paid by the insured person on monthly basis to acquire the medical insurance policy. Premium paid decides the cover that is to be given to the proposer. The insurers also provide discount on premium for family cover. After you become eligible for the insurance, the insurer is accountable to provide you the services including networking with hospitals, cashless hospitalization arrangement, possessing claims, etc.

Mostly initiated by General insurance companies, the health insurance policy supports in getting the treatment done by giving a sum of money to you, for paying off all the expenses incurred due to health related issues. There is a profit to proposer if the expense is lower than insured sum. The entire insured sum is returned back with profits by the insurers when no expenditure is incurred at the end of the term. Only service charges are taken from investment of proposer by the insurers.

Availing insurance policy has become convenient with the advent online market. Hence, there is no need for you to stand in the long queues and talk a hundred times with the representatives to avail the insurance. Now, buying health insurance is just a click away. You got it right; you can now easily buy health insurance online. To avail insurance online, you just have to answer the proposal form completely without hiding any facts. Buying health insurance online helps you to understand competing offers from leading companies. So, why wait! Buy health insurance online now and live healthy life.

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Pranav Sharma is an insurance agent based in Mumbai; Pranav assists individuals and corporates in purchasing the right ">Medical Insurance & often shares his insights about the Mediclaim industry on internet.

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