Why Buying a Health Insurance Now is Very Important Than Ever?

Most individuals want their lives to be stable without any unpredictability. But, the uncertainty of life has always managed to upset our regular lives, especially with unwanted health emergencies. This is where proper health insurance comes in handy because it takes care of the financial aspect. A health insurance plan can provide you with a much-needed cover in the most critical situation when people are exposed and vulnerable. Nonetheless, there are some other significant reasons as well that can convince you to purchase health insurance.

1. The Rise in Lifestyle-Related Illness
   With the growing service sector in India, sedentary lifestyle has become a part of the job profile. Moreover, the urban environment and food habits are often considered a component of this baggage. As a result, diseases like diabetes, high blood pressure, disorders in heart and lungs etc. are common sightings among a large section of the urban population. However, there is a silver lining that most of these diseases can also be treated very easily in hospitals across India. Hence, having medical insurance can go a long way safeguarding you financially from any such emergency.
2. It is Not Just Limited to Hospitalisation
   There is a common misconception that health insurance plans only include admission to a hospital. Most health insurance plans in India have the option of getting insurance coverage for OPD as well as daycare procedures. In most cases, it also covers the vector-borne diseases as well as provides maternity expense cover for both the mother and child.
3. Your Employer’s Insurance May Not Be Enough
   It is observed that earning individuals who are already covered by their employer are reluctant to get a health insurance plan. However, it must be emphasised that employer’s insurance plans are usually very conservative both in terms of money as well as diseases covered under it. Furthermore, in many instances, the employer’s plans consider only the earning individual and not the members of her/his family. So, it is imperative on your part to thoroughly check with the employer about the intricacies before deciding on not purchasing an insurance plan.
4. Rising Medical Inflation in India
   Technology and automation have not just rocked the manufacturing but also the medical sector. With the advent of advanced medical equipment, the cost of the medical treatments has also skyrocketed. Moreover, advanced healthcare is mostly available with the private sector, so the market economy also comes into the picture, which is why inflation is its natural outcome. Most health insurance plans in India take into consideration the dynamic nature of the health care sector before finalising their policies.
5. Protect Your Savings & the Peace of Mind
   Having health insurance provides you with a stress-free lifestyle as it mitigates financial uncertainty when it comes to health emergencies. No matter how much you save, the health crisis is bound to drain out most of the savings leaving you gasping for breath, especially if you have a mid-level earning capability.
6. Complete Family Protection
   Most health insurance plans in India extend protection to insurance holder’s families as a part of their policy. So, this makes your life easier as you can get a complete package that safeguards both your aged parents as well as your new-born child.
7. The Early the Better
   Eventually, as most of us must buy an insurance cover due to any one of the aforementioned reasons, why not buy it at an early stage when the cost of the premium would be low, and the coverage would be high.

Health insurance has always been a part of our discourse, especially in urban work-sphere. However, there are some caveats that need to be worked out before purchasing any insurance. The most basic being the exclusion and inclusion parameters of the insurance policy. Another important element for consideration is the claim settlement ratio of the insurance provider. Additionally, as a policyholder, you must also validate the trustworthiness of the insurance company through its market share and audit reports of IRDAI. In case you need more information, you can get in touch with the customer service and enquire all the details regarding the insurance policy.
PNB MetLife has launched a health insurance PNB MetLife Mera Mediclaim Plan which is combination of health insurance and life insurance which will ensure good health and good life.
Visit website to know more on Mera Mediclaim Plan, term plan and term insurance.

Whether you are trying to lose weight or making a shift towards a healthy life, understanding your BMI (Body Mass Index) is one of the first necessary steps you can make. The BMI calculator can indicate your body’s fat content based on your weight and height. Once you have a clear view of this, you can go through different health insurance plans on the PNB website and secure your future financially against the growing healthcare costs.