Gift Your Sister Security with Health Insurance this Bhai Dooj

The bond between a brother and sister is truly special, and it stays that way no matter how old you get or how far apart you live. And the Hindu festival of Bhai Dooj gives you the opportunity to show your love and care for each other. While sisters pray for the health and wellness of their brothers, brothers return the favour by showering sisters with special gifts. So, this Bhai Dooj, why not do something special for your sister and gift her something meaningful and thoughtful? Gift her health insurance!

Whether you buy a Mediclaim policy for family or individuals,it can protect the policyholder against unexpected expenses related to medical emergencies. So, if you take this insurance for your sister, it will help her avail the finest treatment in case she needs it without worrying about hospital bills. Health insurance also makes things easier for the entire family.

Why should you take health insurance for your sister?

There are many reasons to take health insurance for your sister, such as:

• A health plan not only covers hospitalisation expenses, but also pre and post hospitalisation bills.
• Since certain treatments require less than 24 hours of hospitalisation, a Mediclaim policy for family and individuals covers day-care treatments.
• A health insurance policy covers many expenses of the policyholders, such as home healthcare, mental healthcare, road ambulance charges and organ donor expenses.
• Many insurance companies offer free health check-ups at the time of policy renewal.
• In case of a medical emergency, your sister can avail cashless treatment at a good network hospital.

Benefits of health insurance policy

A health plan offers the following benefits to policyholders:

1. Covers medical expenses:

A health insurance policy covers hospitalisation expenses of policyholders, including pre and post hospitalisation bills. This helps keep the savings intact and prevents financial setbacks.

2. Cashless treatment:

If there is a medical emergency that requires hospitalisation, policyholders can easily avail cashless treatment at a network hospital. This saves them from the hassles of filing a reimbursement claim.

3. Domiciliary hospitalisation:

There are times when healthcare practitioners suggest domiciliary hospitalisation due to the non-availability of rooms in the hospital. Also, if it is not possible to shift your sister to the hospital because of her health conditions, domiciliary hospitalisation is the only option. In such cases, the insurer will cover domiciliary hospitalisation expenses.

4. Tax benefits:

Policyholders can avail tax benefits of up to INR 25000 on health insurance premiums.

5. Financial security:

Considering the ever-increasing healthcare costs, health insurance keeps policyholders financially secure during medical emergencies.

6. Coverage against critical illnesses:

If there is a family history of critical illnesses, taking a critical illness rider helps cover associated expenses. Upon diagnosis of a critical illness covered under the health plan, the insurance company offers a lumpsum to the policyholder.The policyholder can use this amount for the treatment and other expenses.

Tips to buy a health insurance policy for your sister

Keep the following in mind before you make the purchase:

1. Compare different health plans:

Different insurance companies offer a range of health insurance policies for individuals, families and students.Hence, you must shortlist a few and compare them to find the best health plan for your sister.

2. Look for an affordable option:

When you are taking a health plan, look for one with affordable premiums. In case the premium is very high, your sister or family may not want to keep the health plan active for long.

3. Take a plan that offers comprehensive coverage:

A health plan offering comprehensive coverage at affordable rates is the best option. Check policy inclusions and exclusions and make sure it offers important healthcare benefits to policyholders.

4. Look for cashless benefits:

Take a health plan that offers cashless benefits. In case of a medical emergency, your sister can opt for cashless treatment at a nearby network hospital. This will save you and your family from filing a reimbursement claim.

5. Review the current health plan and check portability options:

Before taking health insurance for your sister, check her existing health plan if she has one already. If the premium of the existing policy is on the higher side, you can port to another health plan which is easier on the pocket.

Conclusion:

The bond between a brother and sister is sweet, loving, and eternal. Which is why, you can strengthen it further this Bhai Dooj by gifting her a good health insurance policy. A Mediclaim policy for family or individuals covershealthcare expenses and ensures peace of mind. Having a health plan also makes things easier during medical emergencies as the policyholders can opt for the best treatment without worrying about the exorbitant bills.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.