Health Insurance Policy, Types, Benefit and Plans || Nothing can be said about the time, what should happen at what time. It can also be untoward, if there is any way to save the family from financial crisis, then one of them is important Insurance. There are many types of insurance such as Health Insurance, Life Insurance, General Insurance, PA Insurance etc. But today we will talk about health insurance or medical insurance.
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| Health Insurance Policy, Types, Benefit and Plans || Medical Insurance. |
In order to understand any topic well, it is important to understand these three questions related to what, why and how. means, What is health insurance? Why is health insurance important or its Benefits, How does it work? Along with this in today's blog, we will know what things should be kept in mind before taking Health insurance, what are the types of health insurance.
What is Health Insurance
Health insurance is a policy or contract between the insured and the insurance company in which a person insured on the basis of the insurance company pays a premium per month, in return for which the insurance company pays in the health related matters of the insured person such as Admission to hospital, cost of medicines, operation expenses, hospital expenses etc.
In health insurance, expenses are paid in two ways : - Reimburse and Cashless
Reimburse
This is the first way in which the insurance holder himself incurs medical expenses in case of health related problems of the insurance holder, but later the insurance company reimburses his expenses based on the insurance holder's bill.
Cashless
This is the second and most helpful method of health insurance. The health insurance company gives the insurance holder a list of hospitals coming into its network, in which there is no need to make payments to these hospitals during any type of medical emergency with the insurance holder. For this, the insurance company compromises with the hospital and provides a card to the insurance holder.
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| Types Of Health Insurance || theeco.info |
Types of Health Insurance
There are also different types of health insurance based on different policies.Generally, We divide them into two parts.
1. Public Health Insurance.
2. Private Health Insurance.
Public Health Insurance.
The insurance benefits cost is paid by the government in public health insurance. This insurance is under the supervision of the government. It also has two parts.
Medicare & Medicaid
Medicare Health Insurance plan is for the elderly or above 65 years of age, he can use this insurance if there is any of disability .
Medicare Health Insurance Plan is for an individual and family in which the person has a disability or low income problem.
Private Health Insurance
When a person takes private patient treatment, he comes under private health insurance which covers the total emergency cost of that person.
However there are many types of private health insurance, some of which are important
- HMO Health Insurance
- HSA Health Insurance
- PPO Health Insurance
- Indemnity Health Insurance
Why Health Insurance / Benefit of Health Insurance
In today's time, health insurance is useful for the cost of expensive treatment, because millions of rupees are spent for even the smallest treatment.
When people are asked the reason for not taking health insurance, their answer is that it is a wasteful expenditure, some people also say that they do not have such a big disease that they need to take all this but in reality it is wrong. A person who is healthy today will not be ill tomorrow, it cannot be guaranteed. Nothing can be said about what will happen in the future, so the health insurance company is very helpful.
Take today's time, for example, where the corona virus is failing everywhere, no one thought that the year 2020 is going to be so terrible. In such health related problems, medical emergency occurs anytime, anywhere and without Warning may occur. Medical emergency like as fire accident, road accident, paralysis, fainting, chest pain, and etc
Therefore, health insurance is very useful for us to avoid sudden and unexpected economic crisis.
Apart from this, there are other benefits of the health insurance policy, such that the amount of money received from an insurance company is many times more than the premium paid by the insurance holder and the insurance holder gets an exemption in income tax.
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| Benefits Of Health Insurance |
Keep these things in mind before taking a health insurance plan
Check and Research
Not all insurance plans are the same, the policies of all plans are different, so in this subject, you should check the policy and do research about it before taking their health insurance policy.
Network
Network is the most important part of health insurance for insurance holder. The network is an agreement between the insurance company and the doctors hospitals, in which the insurance company assists the medical emergency without any payment. The network will keep your pocket costs down. Make sure that there are many hospitals in your health insurance company.
Premium
Premium information is most important for the insurance holder in health insurance. Your premium is the amount you pay to your insurance company every month. We must compare insurance with different policies and find health insurance with higher benefits at work premium.
Nowadays, when every person buys a new car and bike, first of all get him insured because he does not want any loss on his hard earned money. If there is a loss, then it is guaranteed that he will get compensation so that his loss is compensated. Everyone gets the insurance of vehicles, whether rich or poor.
But the most important thing that is ignored is health, which not only does them harm themselves, they also harm their family. Today there are 70% people in our country who did not get health insurance because they do not even know about it or Then do not understand the need.
So today we told you all the important things related to health insurance so that people become aware. Just as you can compensate the loss on the vehicle with the help of insurance on your car, similarly there is health insurance, you can compensate for the expenditure on your health.
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