Top Reasons to buy Health Insurance during Festive season

Every year during the festive seasons , you might purchase gifts for your loved ones, including clothing and jewelry etc. These gifts might or might not be very helpful. This Festive season, instead of giving traditional gifts to your family and yourself, think about giving them a health insurance plan. A crucial part of your financial planning should be a health insurance plan, which is a gift as valuable as gold and gives you more benefits in future.

In this article we will talk about the top reason why you should buy health insurance in this festive season.

Invest in health this festive season

Making new beginnings in festive seasons is goog idea. We eagerly await the festive season in order to make investments in different things, purchase a new home, car, gold, appliances, or gadgets. Purchasing these during the season is auspicious. So this festive season, why not invest in the health insurance of you and your family as a fresh start?

Take up a healthy way of living

Due to the sharp increase of viral infections and lifestyle diseases in the last few years, people are becoming more conscious of the need to take responsibility for their health. You can also achieve that by changing to a healthy lifestyle . The majority of the foods we eat during the festive season are unhealthy, such as sweets (we eat in christmas parties) and fried foods, junk foods etc. You can make a decision to eat more healthfully and stay away from unhealthy foods during this festive season.

Apart from following the healthy foods diet plan, you can also follow these steps for healthy lifestyle:

By doing exercise for 40 minutes to 1 hour daily or 5 times in week.
Sleep for 8 to 9 hours daily, wake up early and rise early,
Maintain a work-life balance
Stress management
Start any physical hobby like gardening or sport etc
Buy health insurance
In the above section we discuss some steps for adopting healthy lifestyle. However, health adversities can strike an individual or a family member at any time. For this reason, you should purchase a family health insurance plan this festive season. Health insurance plans can protect you from the costs of hospitals in future and you can save your budget. People are more likely to have accidents or fire incidents during the festive season, so having a plan will ease your financial burden in the event of an emergency.

Top Reasons to buy Health Insurance during Festive season
Some reasons why you should buy health insurance during festive season:

Increasing Healthcare cost :
Recent Data shows that the cost of healthcare has been increased in last few years and is increasing day by day. The rate of increase in medical inflation is higher than general inflation. You may have to pay thousands of dollars, if you or your family member is admitted in the hospital for a treatment or surgery. So if you want to protect yourself from the hospital fee and healthcare services, you have to buy health insurance during this festive season.

Health Protection for whole family:

It is your duty to protect the health of you and your family. A family insurance plan, provided by health insurance companies, can cover every member of your family under one policy. Any ratio of family members sharing the cover is acceptable. If your parents are senior citizens or in their mid-50s and you are in your mid-30s, you might want to get two different health insurance policies:

One health insurance policy that covers your children, spouse, and yourself
One parents-only health insurance plan

Therefore, purchase a family floater health insurance plan to give your family health protection during this joyous time of year.

OPD cover
Some health insurance plans offer benefits for the outpatient department (OPD) in addition to hospitalization coverage. Medicines , diagnostic tests, doctor consultations, and other expenses might be covered by the OPD benefit. One of the following methods is used to provide the OPD cover:

It’s included in the basic health insurance plan.

It is a benefit that can be added voluntarily to the standard health insurance plan.

It is a rider that can be added voluntarily to the standard health insurance policy.

Although the cost of hospitalization might be one-time, OPD expenses may be a regular thing for most families.Hence, this Festive season, invest wisely in a health plan that offers OPD benefits and hospitalization coverage for you and your family.

Cashless treatment

Subject to the terms and conditions of the policy, the majority of health insurance plans offer the option of cashless treatment at network hospitals. The health insurance company pays the hospital directly when using the cashless facility. Therefore, this festive season, you can give your family the advantage of cashless treatment by choosing a health insurance plan that includes a cashless treatment facility.

Critical illness and accident insurance

Health insurance companies offer a variety of health insurance plans, such as critical illness coverage, personal accident coverage, and hospitalization coverage.

Gift Health insurance to your family this festive season

You and your family will receive benefits from a comprehensive health insurance plan, such as annual health checkups, hospitalization coverage, and out-of-budget expenses. You can offer your family a comprehensive health insurance package by including personal accidental insurance, critical illness insurance, etc. Speak with experts if you need assistance selecting which health insurance plan to purchase. they will analyze your requirements and recommend an appropriate health insurance plan that suits your needs. So, this festive season, take this auspicious opportunity of buying health insurance for your family and gifting them good health.

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