Insurance is the sector which developed so much in past few years. Importantly people are caring about health insurance. In India more than 90% people does not have insurance. Having health insurance is important because people get medical care regularly. Then their health improves a lot and they can live longer.

Uninsured people receive less medical care than the insured ones. Main reason for this is due to lack of money. If a person thinks he may fit and can’t get illness. But we don’t know what happens tomorrow. So having health insurance is a very better option.

Why people are caring about health insurance today?

Today the expenses are increased so much. Before 5 years if a family requires Rs. 5000 per month to survive, now Rs. 10000 is not enough. But the earnings are not much changed. So for better survival he should need some extra income. Now the health sector is also improved a lot. World class instruments are used for operations and the drugs are developed for so many diseases. If a person is hospitalized then he requires so much money for curing. So people are looking for health insurance. Lack of insurance is a fiscal burden for them.

Now the people are taking health insurance. It is a very good option. When we buy a car, we do insurance for it. But why the people are not taking health insurance for them? For choosing the health insurance we should look for benefits like, premium to be paid every year, does the company provides insurance to old diseases.

So many people are choosing the insurance which has low premium. This is not the right choice. Rather than looking for premium they should see for benefits. If the premium is high, obviously it has high benefits. Companies offering insurance for high premium provide more benefits like providing insurance to old diseases, providing insurance if a person taken in the other hospital rather than in the network hospital. So many companies do not provide these features.

Most important thing is, if a person starts taking insurance at an early age, then the premium paid should be in less amount. Some companies provide insurance for all the diseases. So before choosing insurance you should look for all these options. If a person got diabetes then this may leads to so many diseases like paralysis, blindness etc.

If you want to pay less premium amount, then you should bare some amount for your treatment. This option is proving some companies. If a person bares some amount, then companies pays for taking treatment in other hospitals which are not in network.

You do not pay income tax for premium. So it is more valuable for every rupee than the same amount in the taxable pay. This is another important thing to be considered. So take health insurance every one.