We often see the health expenses are rising as days are passing in this time phase does it helpful to have a health insurance cover or not.
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Speaking from personal experience of my mother’s health crisis, the health insurance covered more than 80% of the total cost, it definitely came to us like a god sent gift. I could really focus on my mother’s well-being, instead of thinking about cost and how to arrange it.
Health insurance is very important because the cost of hospital expenses is increasing day by day total cost is covered by the insurance
Health insurance is important as increasing prices of the hospital expenses may get you in trouble if you don’t have health insurance.
Health insurance is mostly a boon as it helps in accessing quality healthcare without burning a hole in the pockets.However, it can feel like a bane if not taken from a well known and registered insurance company due to high costs, limited coverage, and complex policies.
Health Insurance definitely helps
From my perspective, it has been quite beneficial. It has significantly helped with the medical expenses incurred by my family recently.
While there might be underlying commercial aspects within the healthcare industry, it has nonetheless been a positive influence.
As healthcare costs within our country is continuously rising, having a health insurance policy comes as a big relief. It helps much during medical emergencies covering a range of conditions and various therapeutic procedures. These policies also include preventive care, through which timely checkups can be done every year and accordingly early intervention can be adopted (if needed). However, there are certain limitations as well, because many put limits on room rent at hospitals or some specific advance-level treatment. Moreover, the rising premiums with age/health history is the biggest limitation. In addition to it, the inclusion of mental health coverage is highly inconsistent as the policies hardly cover psychiatric consultations, therapy, and other medications and this makes access to mental healthcare financially difficult for many people. It’s time now that Indian health insurance policies should evolve beyond physical illnesses and should cover psychological health crises too.
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With medical costs shooting up, having health insurance isn’t just helpful, it’s becoming necessity.
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Definitely, health insurance is very helpful and beneficial in accessing healthcare as our healthcare costs are rising day-to-day and it would be really difficult to arrange for the expenses all of a sudden in case of any emergencies or hospitalization.
Having a health insurance cover is very beneficial in today’s rising healthcare costs.
- It provides financial protection against unexpected medical expenses, covering hospitalization, surgeries, and other treatments.
- With health insurance, you can reduce financial burdens and access quality care without worrying about costs.