News of the need- Beware while taking health insurance: Claim can be rejected by these 6 mistakes, at what age it is better to take insurance

In this era of rising inflation, from medicine, lab test and doctor's fees to hospital expenses, they are increasing year after year. In such a situation, a serious disease can eliminate the accumulated capital of years in a few days.

It is necessary to take health insurance for all the savings hospital expenses do not end. This will provide better health facilities during medical emergency and will not face financial problems.

However, some people do not read the terms and conditions carefully while taking health insurance. In such a situation, when he claims insurance in a medical emergency, the claim is rejected. Therefore, while taking health insurance, details attached to it should be read closely, so that the claim process is easier.

So let's today News of the need I know why health insurance is necessary. Will also know that-

Expert: Rajasekhar, Financial Expert, Dehradun

Question- What is health insurance? answer- This is an agreement between an individual and insurance company. In this, the insurance company takes your medical expenses on accident, illness or injury. In this, things like admission to hospital, bill of medicines, doctor's consultation fees, ambulance charge are covered. For this, the policy holder has to pay premium to the insurance company every year for a fixed time.

Question- Why is health insurance important? answer- Increasing expenses of diseases can bother anyone. Therefore, you must take the right health insurance. It has many benefits. Understand this from some points below-

Increased danger of lifestyle disease

In today's era, the lifestyle of most people is deteriorating. Waking up till late night, increasing screen time and unhealthy food and drink are directly affecting our health.

There was a time when lifestyle disease like diabetes, blood pressure, obesity and heart disease was seen by age, but now such serious diseases are being seen among the youth. Health insurance is very helpful in providing financial help in these health conditions and providing better healthcare.

Many other facilities available with drug expenses

Medical technology is changing every day. Due to this, treatment is becoming expensive, whose burden is also on the patients. For example, if you had to spend 2 lakh rupees for a normal surgery a few years ago, then today it can cost up to 5 lakh rupees.

Similarly, expenses like tests, doctors fees, bed charge are also increasing continuously. In such a situation, it is necessary to take health insurance, which can cover these expenses.

Benefits of better health facility

Everyone wants to get better treatment in a good hospital, but due to lack of money, it has to be compromised many times. People start looking for alternative treatment according to their pocket. In such a situation, health insurance works to give you better healthcare in a big hospital.

Immediate treatment facility in emergency condition

Health Insurance Medical Emergency may reduce your stress during the emergency condition. For example, if someone suddenly has a heart attack and needs a bypass surgery in the emergency, which is a fairly expensive surgery. In most cases, doctors do not start treatment until you submit payment to the hospital. At such a time, it can be difficult for any middle class family to collect millions of rupees lump sum. However, if you have a health insurance, then you can get the patient admitted to the hospital, where his treatment can start immediately.

Question- When can a health insurance claim be rejected? answer- It is very easy to take health insurance. You can choose an online policy according to your need from home. However, it is important to take care of many things while taking health insurance. Many times people inadvertently make mistakes, which rejects their claim even after health insurance.

Understand this from the graphic below-

Question- What should be done for the health insurance claim, what should be done for that? answer- Health insurance can be rejected for several reasons. However, we can avoid it by taking care of some basic things. Such as-

Question- What is the difference between mediclaim and health insurance? answer- Both mediclaims and health insurance give financial security in the event of emergency. So often people feel that both mediclaim and health insurance are the same, whereas it is not so. There are some basic differences between the two. Understand this from the graphic below-

Question- What is the right age to take health insurance policy? answer- Financial expert Rajasekhar explains that the premium of health insurance depends on your age and current health status. Therefore, the less the health insurance policy is taken at the young age, the better. With this you can take long insurance cover in low premium. With aging, the risk of health problems increases, which also increases the premium.

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