𝗧𝗼𝗽 𝟱 𝗥𝗲𝗮𝘀𝗼𝗻𝘀 𝗪𝗵𝘆 𝗬𝗼𝘂 M𝘂𝘀𝘁 S𝘁𝗮𝗿𝘁 𝗬𝗼𝘂𝗿 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
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The biggest matter of concern in that problem is the uncertain expenditure on medical expenses. So to avoid that financial crisis, you also need a health insurance. Five reasons why you should take health insurance are given below
𝐇𝐞𝐫𝐞 𝐚𝐫𝐞 𝐭𝐡𝐞 𝐭𝐨𝐩 𝟓 𝐫𝐞𝐚𝐬𝐨𝐧𝐬 𝐰𝐡𝐲 𝐘𝐨𝐮 𝐒𝐡𝐨𝐮𝐥𝐝 𝐠𝐨 𝐟𝐨𝐫
𝐇𝐞𝐚𝐥𝐭𝐡 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐏𝐨𝐥𝐢𝐜𝐲 𝐓𝐡𝐢𝐬 𝐬𝐞𝐚𝐬𝐨𝐧
𝟏. 𝐌𝐞𝐝𝐢𝐜𝐚𝐥 𝐞𝐱𝐩𝐞𝐧𝐬𝐞𝐬 𝐚𝐫𝐞 𝐨𝐧 𝐭𝐡𝐞 𝐫𝐢𝐬𝐞 :-
first of all have A look of these numbers underline the rising medical expenses. In May 2021, medical inflation increased to 8.4% while in June 2021, it was recorded at 7.7%. These rates are expected to grow in the coming years as treatments become modern and more advanced. So, you need to protect your finances against these rising expenses, and enhancing health insurance coverage is the only way to do so.
𝟐.𝐃𝐢𝐬𝐞𝐚𝐬𝐞𝐬 𝐚𝐧𝐝 𝐢𝐧𝐣𝐮𝐫𝐢𝐞𝐬 𝐡𝐚𝐯𝐞 𝐛𝐞𝐜𝐨𝐦𝐞 𝐜𝐨𝐦𝐦𝐨𝐧 :-
As against the rising medical inflation, diseases also are on the rise. Even the pandemic underlined the importance of optimal coverage as even healthy adults faced high medical expenses due to COVID. So, even if you practice a healthy lifestyle, accidental injuries or illnesses can strike unannounced and result in an emergency. As such, you need optimal coverage to pay the medical bills incurred due to illnesses or injuries. so its so importent that u must have a heath insurance
𝟑. 𝐎𝐩𝐭𝐢𝐦𝐚𝐥 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐢𝐬 𝐧𝐞𝐞𝐝𝐞𝐝 𝐟𝐨𝐫 𝐚𝐥𝐥 𝐟𝐚𝐦𝐢𝐥𝐲 𝐦𝐞𝐦𝐛𝐞𝐫𝐬 :-
If multiple members are covered under the plan in health insurance, you need a high sum insured so that in the case of multiple claims, your policy does not fall short in covering the medical bills. So, if you are insuring your family members under a single policy. and keep this in your mind.
𝟒. 𝐘𝐨𝐮 𝐧𝐞𝐞𝐝 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐠𝐨𝐚𝐥𝐬:-
If you have a limited sum insured and the medical emergency incurs a higher bill, you would be forced to either liquidate your savings or opt for a loan. Liquidating your savings is a bad idea since it would affect the other financial goals that you have. For instance, if you draw upon your child’s education fund or your retirement corpus, meeting these goals would become challenging if the corpus is depleted so if u don't want to take type of risk with your health at least take a normal health insurance
𝟓. 𝐘𝐨𝐮 𝐜𝐚𝐧 𝐬𝐚𝐯𝐞 𝐨𝐧 𝐡𝐢𝐠𝐡𝐞𝐫 𝐭𝐚𝐱𝐞𝐬-
A high sum insured means a higher premium outgo. As the premium outgo is increased, you can claim a higher deduction under Section 80D of the Income Tax Act, 1961. A higher deduction allows a higher tax saving too.
Given these reasons, to your family make a wise choice. Rather than buying independent step up your health insurance coverage.
𝗦𝗼, 𝗰𝗵𝗼𝗼𝘀𝗲 𝘁𝗵𝗲 𝗴𝗶𝗳𝘁 𝗼𝗳 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝗻𝗱 𝘀𝗲𝗰𝘂𝗿𝗲 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀 𝗮𝗴𝗮𝗶𝗻𝘀𝘁 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝗶𝗲𝘀 𝗕𝘂𝘆 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗼𝗻𝗹𝗶𝗻𝗲 𝗳𝗼𝗿 𝗲𝗮𝘀𝗲 𝗼𝗳 𝗶𝗻𝘀𝘂𝗿𝗶𝗻𝗴 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳. 𝗢𝗻𝗹𝗶𝗻𝗲 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗹𝗮𝗻𝘀 𝗮𝗹𝘀𝗼 𝗵𝗲𝗹𝗽 𝗶𝗻 𝘀𝗮𝘃𝗶𝗻𝗴 𝗼𝗻 𝘁𝗵𝗲 𝗽𝗿𝗲𝗺𝗶𝘂𝗺 𝗰𝗼𝘀𝘁 𝗮𝘀 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗰𝗼𝗺𝗽𝗮𝗿𝗲 𝗮𝗻𝗱 𝗶𝗻𝘃𝗲𝘀𝘁 𝗶𝗻 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗼𝗹𝗶𝗰𝘆..
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