Public awareness about the importance of health care and medical insurance is increasing every day and the demand for health insurance coverage is too. Youngsters are aware of the benefits of health insurance plans and they are actively purchasing insurance plans to live a safe and secure life.
Your health insurance policy will not cover you against the expenses incurred due the treatment of critical illness. Unfortunately, many of us think that our health insurance plan will cover the critical illness expenses, whereas it will not. For any such medical condition it is very important to be covered under a critical illness insurance plan. Importance of Critical Illness Plan Generally, youngsters are considered healthy, but due to unhealthy life style and eating habits youngsters are more prone to critical diseases. For this reason, it is essential to be covered under a critical illness plan to deal with such situation strongly. Most of them ignore the importance of coverage offered under critical illness. Unhealthy lifestyle is causing several health disorders, for example, cancer, heart disease and diabetes. These health problems are increasingly affecting young individuals under the age of 35 years. Medical conditions such as juvenile diabetes that affect children are also rising. The growing health problems are the result of the change in lifestyle. Benefits under Critical Illness Plan Critical illness health insurance plans are designed to cover the specific medical condition and providing a safety net against critical illnesses such as cancer, heart attack, paralysis, organ transplant, kidney failure, bypass surgery, stroke etc. Generally, sum insured option under critical illness health insurance ranges between Rs.1 lakhs and Rs.10 lakhs. Critical illness treatments need higher costs therefore insurance company offers higher sum insured options Following are the features of critical illness health insurance plan:
Your basic health insurance plan will cover you against the expenses incurred due to hospital bills, but it will not offers additional benefits like a 2nd opinion for the type of treatment for the critical illness, will be very useful. Critical health insurance plan covers much more than just hospitalization bill and provides multiple benefits to its policyholders. If you are the primary earner in your family and you need medical treatment for any critical illness and you are not allowed to go office or work. In this case the financial need of the family will suffer, but being covered under a critical illness cover ensures that you and your family meets the regular needs and avail treatment, without any financial crisis.
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