Needless to say, the cost of medical treatment is increasing at a rapid rate. At the same time, the increasing need for medical or healthcare treatment at the private hospitals across the country is resulting in rising inflation. Today, one simply cannot afford medical treatment at a private hospital and does not really want to visit a general hospital. People in the corporate sector already have a huge burden on their shoulders, making them less careful about the health of their family members, which eventually leads to hospitalization and financial issues. While if you take a broad look at health insurance, you can save thousands when availing quality medication at a hospital of your choice. Thus, we indeed can say that health insurance in India also must be mandatory in just like car insurance. The following some key reasons why people in India should have health insurance: Good Healthcare Leads to Healthy Lifestyle We live in the modern era wherein new advancements are made by researchers. Their latest inventions in the age of advanced medical science lead to the betterment of medical procedures and healthcare delivery, thereby making medical treatment at various modern hospital chains across the country a lot difficult. In contrast to this, a health insurance policy is a lot better option because it allows you efficiently deal with the increasing medical cost without having to worry about a financial crisis going forward. Thus, health insurance plans power you to avail best medical treatment at a hospital of your choice. Since you have a choice of the hospital amongst the network of hospitals provided by the insurer, you can pick anyone. The government of India has taken multiple steps over the years to provide the countrymen with the best health care at an affordable price at general hospitals all over India. However, people are still unable to get the best out of the massive steps taken by the government. Following are some barriers to availing quality healthcare: Read more: Govt sets out to widen health insurance scheme to 50 crore people The Rural Divide A huge share population of India lives in villages where there are already many more problems in front of the people. Uneven roads, lack of transport and many more hurdles make their lives even more difficult. In such scenarios, when it comes to availing medical treatment, one has to first overcome these hurdles to reach the hospital. Therefore, none of the efficient healthcare facilities is helpful. Premiums beyond Affordability Despite the villagers, not every in India is able enough to afford premium payments if buys a health insurance plan. This is only when you have purchased a policy. However, when you file a claim after being diagnosed with some kind of illness, the premium payment might increase for the next year. Thus, it is evident that paying an increasingly high premium can increase your financial problems at the end of the day. Insufficient Insurance Coverage Buying a health insurance policy for self or any of your loved ones requires you to explore multiple similar policies. Doing this leaves you with multiple options in terms of health insurance policies. Thus, you can choose the best plan to avail maximum coverage at a price that best fits your affordability in the long term. If you do not compare multiple plans and directly choose one, then you may not get sufficient coverage at a premium price that could get you even more with an insurance plan purchased from a different insurer. The Bottom Line Since we feel that the government must make health insurance mandatory for every Indian, then the first step that should be taken is to make the insurance premiums affordable. Also, there should be special schemes available for BPL families and for those simply cannot afford health insurance plans offered by Bajaj Allianz or any other insurance company in India. Irrespective of the insurers, the health plans are to be made affordable by at least the government undertaking insurers.
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