Know How significant it is To Upgrade Your Health Insurance Coverage

Health has become a major concern today - courtesy rising pollution, food contamination, fast-paced lifestyles etc. And with escalating medical costs, it is but indispensable to buy health insurance policies to avoid huge medical expenses during emergencies. After taking a health insurance cover, we renew it assuming that it is sufficient. But, it may not be. It is advisable to upgrade your health insurance coverage depending on your age, needs and medical inflation.  

Medical emergencies are not planned. And having a health insurance policy saves you from burning a hole in your pocket. Health insurance importance increases when you realise that if you are not covered, you could end up paying from your pocket or going into debt. And if you are adequately covered, the benefits of health insurance are aplenty - you can receive treatment at the finest hospitals, cashless hospitalisation, pre and post hospitalization expenses and most important, financial stability.

Why upgrade?

Even if you have an existing policy and have kept on renewing it over the years, you will find that the coverage offered by most companies engaged in health insurance in India is not sufficient. Health care costs are increasing by the day. As you grow older your risks increase and the cost of treatment will also rise. If you upgrade today, you may pay a lower premium than if you cross a certain age threshold at which stage premium will rise disproportionately. It certainly pays to opt for higher premium and add-ons with passage of time so that you are adequately covered. It must also be kept in mind that health insurance in India does not give you 100% reimbursement of costs and certain treatments may be excluded altogether. It is advisable to upgrade to plans that offer maximum possible coverage.

Benefits of Buying HDFC Ergo health cover

We, at HDFC ERGO, provide you with the best possible plans. Our Health Suraksha plan gives you access to cashless treatment at over 6000 hospitals and the basic coverage is between Rs 3 lakh to Rs 10 lakh. You receive benefits of in-patient treatments, pre-hospitalization expenses, 144 day care procedures, expenses you incur while undergoing treatment and domiciliary treatments.

Further, you can opt for individual or family floater plans and you can also choose from one year policy or two year policy. If you do not file a claim, you get a no claim bonus. Even health check-up plans are included in the plan when you complete 4 years. If you are below 45 years of age, you do not need to undergo health check-up prior to receiving the policy coverage. What you will also like is that there are no sub-limits on hospital room rents, hospital expenses and doctors’ fees for certain illnesses. We also have a reputation of fast settlement and least documentation.

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

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