{"id":1765,"date":"2022-08-24T16:52:40","date_gmt":"2022-08-24T11:22:40","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1765"},"modified":"2022-11-17T10:20:15","modified_gmt":"2022-11-17T04:50:15","slug":"8-reasons-why-you-must-have-health-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/8-reasons-why-you-must-have-health-insurance\/","title":{"rendered":"8 Reasons Why You Must Have Health Insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/8-reasons-why-you-must-have-health-insurance\/#8_Reasons_to_buy_a_Health_Insurance\" >8 Reasons to buy a Health Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/8-reasons-why-you-must-have-health-insurance\/#Things_to_keep_in_mind_when_you_decide_to_buy_a_health_insurance_policy\" >Things to keep in mind when you decide to buy a health insurance policy<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/8-reasons-why-you-must-have-health-insurance\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>Insurance is a wise decision of risk management. Today we live in an uncertain world and carry many risks.<\/p>\n<p>There is a choice to manage your risk by creating an emergency fund for medical needs or transferring the risk to an insurance company. After the outbreak of Covid, everyone needs to understand that it is crucial to have some insurance products.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-1771 size-full\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-You-Must-Have-Health-Insurance.png\" alt=\"Why You Must Have Health Insurance\" width=\"2240\" height=\"1260\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-You-Must-Have-Health-Insurance.png 2240w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-You-Must-Have-Health-Insurance-300x169.png 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-You-Must-Have-Health-Insurance-1024x576.png 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-You-Must-Have-Health-Insurance-150x84.png 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-You-Must-Have-Health-Insurance-768x432.png 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-You-Must-Have-Health-Insurance-1536x864.png 1536w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/Why-You-Must-Have-Health-Insurance-2048x1152.png 2048w\" sizes=\"(max-width: 2240px) 100vw, 2240px\" \/><\/p>\n<p>Following are some of the benefits of health insurance:<\/p>\n<h2><span class=\"ez-toc-section\" id=\"8_Reasons_to_buy_a_Health_Insurance\"><\/span><strong>8 Reasons to buy a Health Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Provides safety and security<\/strong>: Health insurance will give you a sense of safety and security because you know that medical expenses will be covered through health insurance.<\/li>\n<li><strong>Transfer of risk<\/strong>: In insurance, the risk of an uncertain event is shifted from you to your insurer. If an uncertain event arises, your insurer will compensate you for the loss as the insurer will step into the shoes of the insured.<\/li>\n<li><strong>Covers medical expenses<\/strong>: Health insurance plans cover medical costs. It compensates for hospitalization expenses, ambulance charges, doctor\u2019s consultation fees, medicines and drug expenses, etc.<\/li>\n<li><strong>Covers critical illness<\/strong>: If you have bought a critical illness cover then it covers life-threatening diseases like kidney failure, bone marrow transplant, loss of limbs, etc., subject to a predetermined list of your policy. If the disease is included in the predetermined list (mentioned in the insurance policy document), you will be eligible to receive a lump sum amount as a claim.<\/li>\n<li><strong>Cashless claim benefits<\/strong>: Hospitalization expenses can be settled between the insurer and the hospital if, the hospital falls within the approved network. A <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/cashless-claims-in-health-insurance\/\">cashless claim<\/a> facility is available only if you have been admitted to a PPN hospital. However, if your claim doesn\u2019t get approved or you have opted for a non-PPN hospital, then you can get reimbursement.<\/li>\n<li><strong>No more stress<\/strong>: Lack of peace of mind emerging from the uncertainties in life creates stress. A stressful mind will lead to a reduction in the efficiency and productivity of individuals. With the peace of mind ensured by health insurance, you can concentrate on your work and be productive.<\/li>\n<li><strong>Tax Benefit<\/strong>: As per section 80 D of the Income Tax Act, you can avail of a tax deduction (subject to certain terms and conditions) on the premium paid towards your health policy.<\/li>\n<li><strong>Avail no claim bonus<\/strong>: A no claim bonus is offered for not making a claim. For every claim-free year, a reward is given as no claim bonus. <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/no-claim-bonus-ncb-in-car-insurance\/\">Click here to know about no claim bonus in car insurance\u00a0<\/a><\/li>\n<\/ol>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Things_to_keep_in_mind_when_you_decide_to_buy_a_health_insurance_policy\"><\/span><strong>Things to keep in mind when you decide to buy a health insurance policy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Verify whether the company selling you the health policy is registered with IRDAI or not.<\/li>\n<li>Remember to buy the policy from a licensed agent. Ask for his ID card or license to verify his identity.<\/li>\n<li>You can also approach an insurance company directly.<\/li>\n<li>Carefully read the policy brochure and understand the policy terms and conditions. You must be aware of the inclusions and exclusions of the insurance policy.<\/li>\n<\/ul>\n<p>Take your time before buying a policy. Even during the free-look period, you can terminate your policy without any penalty.<\/p>\n<p>If you have any grievances related to insurance, you can contact Insurance Samadhan. We have helped resolve 14,500+ complaints of policyholders. We\u2019ll be happy to help you.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/5-reasons-why-health-insurance-claims-get-rejected-amid-covid-19\/\">Health Claim Rejection amid Covid-19<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in a life insurance policy<\/a><\/p>\n<div>\n<div class=\"centered-text-area\">\n<div class=\"centered-text\">\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/\">Death Claim Rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p style=\"background: white; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">You can also<\/span><\/p>\n<p style=\"background: white; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">Visit our website:\u00a0<a style=\"outline: none; transition: all 0.14s ease 0s;\" href=\"https:\/\/www.insurancesamadhan.com\/\"><span style=\"color: #ff2828;\">insurancesamadhan.com<\/span><\/a><\/span><\/p>\n<p style=\"background: white; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-align: start; widows: 2; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-spacing: 0px; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">Call us on +91 9513631312<\/span><\/p>\n<p style=\"background: white; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-align: start; widows: 2; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-spacing: 0px; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">WhatsApp:\u00a0<a style=\"outline: none; transition: all 0.14s ease 0s;\" href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\"><span style=\"color: #ff2828;\">\u00a09910998252<\/span><\/a><\/span><\/p>\n<p style=\"background: white; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-align: start; widows: 2; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-spacing: 0px; margin: 0cm 0cm 7.5pt 0cm;\"><span style=\"font-family: 'Arial',sans-serif; color: #333333;\">Mail us at\u00a0<a style=\"outline: none; transition: all 0.14s ease 0s;\" href=\"mailto:corporate@insurancesamadhan.com\"><span style=\"color: #ff2828;\">corporate@insurancesamadhan.com<\/span><\/a><\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/8-reasons-why-you-must-have-health-insurance\/\"\n  },\n  \"headline\": \"8 Reasons Why You Must Have Health Insurance\",\n  \"description\": \"Insurance is a wise decision of risk management. 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Today we live in an uncertain world and carry many risks. There is a choice to manage your risk by creating an emergency fund for medical needs or transferring the risk to&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/8-reasons-why-you-must-have-health-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1772,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[3],"tags":[89,102,101,103,45,104,100],"class_list":["post-1765","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-cashless-claim","tag-claims","tag-critical-illness","tag-free-look-period","tag-health-insurance-policy","tag-no-claim-bonus","tag-tax-benefit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>8 Reasons Why You Must Have Health Insurance<\/title>\n<meta name=\"description\" content=\"A person must buy a health insurance policy because of the following 8 major reasons. 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Today we live in an uncertain world and carry many risks. There is a choice to manage your risk by creating an emergency fund for medical needs or transferring the risk to&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/1765","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=1765"}],"version-history":[{"count":6,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/1765\/revisions"}],"predecessor-version":[{"id":2691,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/1765\/revisions\/2691"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/1772"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=1765"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=1765"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=1765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}