Advantages of Buying Health Insurance Early
Advantages of Buying Health Insurance Early

Health Insurance

Most people think of buying health insurance policies later in life. This concept is totally wrong. The more delay you make in buying health plans, the less advantages you have access to. You can get covered with a much lower premium if you take health cover earlier in life. Here are some considerable reasons why you should buy health insurance before you turn 30.

  • Always Be Prepared For Emergencies: Buying a mediclaim policy early can help you ease your financial problems. With the best health insurance policy, you feel more in peace. Moreover, you are prepared for any sort of medical emergencies. You no longer have to dig into your life-long savings when you already have a health plan. You lead a stress-free life too!
  • The Early Bird Gets The Best Deals: Health insurance companies may not offer you the same benefits in your later life as compared to your late 20’s. If you wait longer to get a medical policy, you might have to pay a higher premium. On the contrary, if you go for health insurance early, you can get a premium at a lower rate.
  • Helps You Plan Your Future Finances Better: Early heat policy not only offers you the best medical coverage but also helps you plan your future finances better. You can save more taxes if you consider buying health policies earlier. In India, Under Section 80C of the Income Tax Act, every year you can save up to Rs. 25,000 on the policy premium.
  • Get a Policy Early To Enjoy the Benefits Later: Most health insurance companies in India follow through a certain waiting period. Any medical emergency which occurs during time is not claimable. Get your health insurance early so you can complete this necessary waiting period without much hassle. Furthermore, you can enjoy the full benefit of your early health insurance later in life when you really need it.

Availing health policies early has more to it than it may appear. You are prone to developing physical illness the older you get. Therefore, health insurers may impose some restrictions on such a situation. It may also result in a higher premium of your policy. But when you consider buying health policy early, you no longer have to worry about all these.

If you want to avail the best health insurance policy for yourself or family, simply click here and get the best health cover from the top medical insurers at an affordable premium.

hat Makes HDFC ERGO Health Insurance Plans Standout?

Health insurance plans take care of medical expenses of policyholders. In this age and day of rapidly increasing healthcare expenses, health insurance plans are a boon to common citizens of India. With growing awareness for health insurance in India, many health insurance companies are coming with their own set of various medical insurance online plans. However, you have to ensure complete safety of your entire family, so you have to settle with the best health insurance in India. HDFC ERGO is one of the best providers of health insurance in India. HDFC ERGO health insurance plans come with a myriad of beneficial features. Let’s take a look at the reasons why should you buy HDFC ERGO health insurance policy.

Reasons to Buy HDFC ERGO Health Insurance Online

  • The plans come with additional No Claim Bonus.

  • You can buy HDFC ERGO health insurance policies by paying a premium in a flexible manner.

  • You can avail cashless treatment in more than 6000 hospitals in the network of HDFC ERGO private limited.

Types of HDFC ERGO Health Insurance Plans

HDFC ERGO health insurance plans are of two types on the basis of claim payment. The following are the two types of HDFC ERGO health insurance policies;

  • Indemnity HDFC ERGO Health Insurance Plans

  • Lump sum benefit HDFC ERGO Health Insurance Plans

Indemnity HDFC ERGO Health Insurance Plans

HDFC ERGO Health Suraksha Policy is one of the indemnity HDFC ERGO health insurance plans. This type of health insurance policies pay out the actual expenses of the insured during hospitalization or day care procedures or for domiciliary treatments. Policyholders can utilize their indemnity HDFC ERGO health insurance multiple times until the exhaustion of their chosen Sum Insured amounts. The following medical expenses are included in the coverage of indemnity HDFC ERGO health insurance plans;

  • Rent of hospital room

  • Fees of doctors

  • operation theatre costs

  • cost of oxygen, anesthesia, etc

Lump Sum Benefits HDFC ERGO Health Insurance Policies

Unlike indemnity HDFC ERGO health insurance plans y, lump sum benefit HDFC ERGO health insurance plans offer full coverage amount irrespective of the actual treatment expenses. Usually, critical illness insurance plans fall under the category of lump sum benefit health insurance plans. This type of health insurance policies cover all the diseases mentioned in the coverage and pays out the full amount upon first diagnosis of the listed ailments.

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