Do your family need a health insurance this summer?
Summers are here and everyone has a plan to escape the relentless heat. Some people go for a short vacation or a weekend trip, others gorgo on mangoes and keep themselves happy in their air-conditioned rooms. Any opportunity to hanging out with friends for an ice-cream treat or spending hours in the pool is equivalent to Diwali bonus in the middle of May.
As the mercury sizzles, we long for the pleasant and romantic monsoon season. Wouldn’t it be great to save money and secure your health amidst this scorching heat.
Isn’t this a good time to get serious about your family’s health and start working towards their safe future? Not only it shows that you are responsible towards your family but it also shows that you have done a smart investment where you can save a lot on income taxes. Buy a health insurance and be prepared for all sorts of emergencies of life.
How are the risk factors increases during summer?
If on a hot summer day, you experience headache, drying of skin, cramps, weakness, vomit and having difficulty in breathing, then you may be suffering from a heat stroke. Generally dizziness is followed by nausea and discomfort etc. To prevent heat stroke, doctors advise to wearing light and comfortable clothes and avoid staying out in the sun for a long time.
During hot summer days, people are exposed to sun for longer periods, the UV rays falling on the skin might turn it red, dry, itchy and cracks may develop. The worst thing happens when someone start experiencing flu-like symptoms. Blisters, peeling of skin, itchiness and cracking of skin may take place in advanced stages.
Skin rashes generally appear in the moist areas of the body like armpits, groin and other similar parts. The sweat laden clothes generally allow microbes to grow on skin leading to complications.
The virus of measles breeds a lot faster in summer and cough, high fever, sore throat, and reddening in eyes. Initial symptoms typically include fever, cough, runny nose and inflamed eyes. It is a very common summer disease.
In summers, we love to quench our thirst with any possible drink that we find outside irrespective of its source. This actually leads to several problems like diarrohoea, dysentery, typhoid etc. Jaundice is also a serious problem. The main sign of jaundice is a yellowish discoloration of the white area of the eye and the skin. Urine is dark in colour. Clean drink water and always carry a bottle of drinking water whenever you go out.
Which insurance plan you should buy?
Primarily health insurance policy is of two types - group and individual health insurance. Group insurance policy are selected by the employers and individual health policies caters to you personal needs. Family floater plans are an excellent option that cover all the members of the family. Criteria to select a suitable insurance policy
First thing to ensure is that the health insurance policy you buy provides adequate coverage to you and your family.
Ensure that all members of the family are covered and that sum insured is opted for considering the current high cost of quality healthcare.
Do not sacrifice coverage just to save money on premium.
Instead of simply going for the cheapest plan, compare features. By paying a little extra, you may be able to get greater benefits.
Find waiting period before it starts covering pre-existing diseases. Because pre-existing diseases differs from one insurer to another and ranges from two to four years.
Check the network of hospitals in your city where the cashless facility is available, then you do not have to make any payments to the hospital out of your own pocket. Generally, premium in metro cities is more than non-metro cities.
Which diseases are covered in the health policies?
Most of the diseases that are described above are completely covered by all leading general insurance companies. Don’t consider life insurance can be an alternative of health insurance. It is a financial shield that defends against any medical emergency of your life.
There is a stark difference between buying a policy on a web platform and from an agent. If you are looking for a transparent way of buying and claiming a policy, then online platforms are best option. Agents, on the other hand, may not provide you with the correct information. Hence, compare online on 121Policy and invest in a sensible future.