Why do we need Personal Health Insurance and How to buy it?

There are enough reasons to list why healthcare is one of the most important decisions that one needs to take and not ignore in the long term. Be it personal health insurance, accidental insurance, or insurance for a specific disease.

All this has led to an increase in our healthcare expenditure. At the same time, not to forget the high inflation rates, which have also affected the cost of medical treatments. 

 it is high time we take a step in the right direction and pick an insurance cover for ourselves. Bajaj Allianz Health Insurance is one such provider with multiple plans that will provide you with insurance cover for your requirements and needs in the long term.

Why is it essential to go for Personal Health Insurance?

We are seeing a rapid change in our lifestyle. There is deterioration in our eating habits, and air quality is going from bad to worse in urban settlements. People are too busy to work towards a healthy lifestyle. There are accident-prone areas all around, and also, the pandemic has rained hell all over the planet for over two years. 

Therefore, once you purchase a health insurance plan, you are covered from all these medical expenditures without them making a dent in your finances or derailing your daily household expenditures.

People tend to make the same mistakes while choosing a healthcare plan, i.e., the time they take to go for the health cover. Once they’re too late in going for one, they tend to overspend on the same. The working class usually gets their health insurance from their organisation and are over-dependent on such perks. The cover for the same depends on the salary and seniority of the employee and reduces as you retire from the organisation. Thus, they fail to assess their requirements, thus overlooking the benefits of getting a personal health insurance plan. 

Therefore, a good insurance cover will cover the day-to-day expenses and not just the OPD’s or serious procedures. Maternity benefits are also provided, which is the need of the hour for many females. 

We must buy health insurance at an early age. It leads to better financial planning and also covers us from all diseases. As one can’t have an existing illness thus, they will be covered against any disease diagnosed later in their life. 

The insurance premium needs to be affordable and should provide value for the consumer’s investment. A basic plan does not cover all expenses, and therefore, it is vital to invest in a plan that covers in-hospital, boarding, and room expenses. 

Some patients need to get regular check-ups and take prescription drugs. That is another aspect that needs to be considered before purchasing insurance. For accidental insurance , it is essential to read the terms and conditions and make sure that it covers your expenses in any event possible. 

EMI options make the insurance more affordable for the common man and doesn’t become a one-time burden on their salary. Bajaj Allianz offers such an incentive to its consumers. 

and are also provided by for their healthcare plans which makes it more affordable 

How to buy insurance?

There are multiple ways to buy a health insurance plan: 

1. You can go directly to the insurance providers’ website and purchase one if you understand the specific plan and if it is what you are looking for. Bajaj Allianz Health Insurance provides you with a discount if you purchase it from their website. 
2. People also prefer buying from insurance agents. They get to understand the benefits of the insurance plan that they’re buying. And they do not tend to miss out on any detail. They get personalised service from their insurance agent.
3. Multiple websites act as intermediaries and offer insurance plans on their platform. Every website has its niche and what it offers as an intermediary of health insurance providers. 

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