Health Insurance, Life Insurance & bank Loan

Health Insurance, Life Insurance & Bank Loan

Know about Health Insurance, Life insurance & bank Loan. Day by day medical expense is increasing, increase in the incidence of lifestyle-related illnesses, so you should aware health Insurance to come out from those problems. Health Insurance & Life insurance & bank Loan all are different things, we will discuss in details. Maximum people are taking a bank loan for medical expense, so our advice better you invest in health insurance.

What is Health Insurance?

Health Insurance is an insurance policy for health that protects you financially, ensure you the cashless treatment or cash reimbursement for your medical need. Commonly cashless treatments mean the insurance company will directly pay the expense to service provider & cash reimbursement means the insurance company will pay later when on submission of treatment expanse bill. Most of the health insurance plans give coverage for day care procedures and checkup, Ambulance expense if need, other than the treatments that involve serious hospitalization. Health insurance policies also cover pre and post-hospitalization as a large amount of expense on doctor consultations, investigation and medicines are borne during this period.

Types of Health Insurance Plans in India :

  • Individual Health Insurance Policies
  • Family Floater Health Insurance Policies
  • Group/Employee Health Insurance Schemes
  • Senior Citizen Health Assurance Plans
  • Maternity Health Insurance
  • Critical Illness Plans
  • Preventive Healthcare

In India under the Income Tax Act, 1961, premiums paid towards health insurance are eligible for tax deductions under Section 80D. Therefore health insurance is a good to make for those who want to save tax as well, try it.

Some Health Insurance Companies name in India: Star Health Insurance, ICICI Lombard Health Insurance, SBI Health Insurance, HDFC ERGO Health Insurance, LIC Health Insurance, Apollo Munich Health Insurance, National Health insurance, Religare Health Insurance, Royal Sundaram Health Insurance, Bharti AXA Health Insurance etc. So this is your option Health Insurance & Life Insurance & bank Loan.

What is Life Insurance?

It is an insurance of life In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. There are two basic types of life insurance policies viz. Traditional Whole Life and Term Life Insurance. A whole life is a policy you pay till the death of the policy holder and term life is a policy for a fixed amount of time.

I have seen so people are taking a bank loan for medical expense, so our advice better you invest on health insurance, for your better life.

 

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