It is rightly said that “health is wealth” because without enjoying well-being, you cannot savor any other joys properly in life. That is why it is imperative to take care of yourself so that you can also take care of your loved ones. Another important part of taking care is to prepare for any unforeseen health challenges in advance by purchasing a insurance policy.
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A sudden health challenge might demand excessive spending, which, if you pay from your pocket, may disturb your finances adversely. A health insurance policy will ensure that you are financially secured. Alongside, you must research and choose the most suitable policy that matches your needs.
While the importance of medical insurance was underrated before, it has gained importance in recent years. It has become an essential safety cover. With a sudden unseen situation arising anytime, you must stay prepared with a health insurance policy.
To help you stay prepared for emergencies, we have also shared some other general tips that you must follow to deal with them better. Have a look:
- Keep A First Aid Health Safety Kit Handy
If an unforeseen event occurs and emergency help is far away, you must be prepared with a first aid safety kit. Have some useful items like bandages, painkillers, and ointments to manage until you reach the hospital. You must have a small kit with essential medicines in your house, car, and your workplace.
- Have an Emergency Contact List
You can save the emergency contacts on your phone or keep a list in your wallet. When any kind of emergency takes place, you can connect with the concerned people if you need assistance.
- Learn CPR (Cardio-Pulmonary Resuscitation)
It is essential to get CPR training. If any of your loved ones faces trouble in an unpredicted situation, you should know how to give CPR. Until help arrives, you can do your bit and help stabilize the situation.
- Keep All Your Health related Documents Ready
In the event of hospitalization, you must keep all the required documents ready. Keep the health insurance policy documents handy at all times, as you may need to show them during hospitalization. Some insurers also issue a health card that you can easily carry in your pocket. You can show this and avail of cashless hospitalization if you visit the insurer’s network hospital. It will ensure that you do not have to bear the expensive medical costs from your pocket.
Importance of Buying a Suitable Health Insurance Policy
While you understood from the above pointers about how to handle emergencies, you must also have a comprehensive health insurance policy. It will help you deal with unexpected circumstances without facing any financial worries. There are a variety of insurance schemes with different benefits. The medical expenditure can be very high, and you might have to use your savings. One of the advantages of buying a suitable plan is that it covers all your medical expenses, including hospitalization, medicine and ambulance costs, in case of uneventful situations. Hence, you must buy an insurance plan which will ensure that you get the right coverage during such trying times.
In cases of a history of critical illness, you can also add riders to the chosen policy. This way, you can get coverage against life-threatening diseases like kidney failure, heart condition and others. You can also get tax benefits with health insurance policies. Under Section 80D of the Income Tax Act, 1961, you can get tax deductions on the premium that you pay towards such policies. Therefore, it will be a wise decision to purchase a health insurance policy from the tax-saving point of view as well.
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Stay Prepared for All Medical Emergencies
Patience and awareness are the two main keys to deal with medical emergencies better. You must prepare for all kinds of events ranging from a minor health issue to an extreme situation. Buying a health insurance policy with adequate coverage will ensure that you are prepared for medical emergencies financially as well. For this, you must understand the different advantages of each scheme and understand the pros and cons. With full information, you will be able to determine the plan which serves your interests best.
Health insurance plans, as provided by reputable insurers like Tata AIG, provide you with distinct benefits that can offer you maximum support during different medical challenges. Their efficient team also provides assistance in helping you understand different features of the policy for making the right decision.
Stay prepared for medical emergencies both mentally and financially to deal with them in a prudent way.
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