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Sitemap > Insurance Articles > Mediclaim > Does Your Mediclaim Include Critical Illness Cover?
Every individual make efforts to stay healthy. But a sudden requirement of medical care in this regard makes people face many impediments. The biggest hazard is the treatment expenditure that comes as a burden. This becomes a reason for repugnance towards the required medical care. The healthcare cost is accompanied by add- on expenses like room rent, pre and post hospitalization charges and several others. It is not feasible for people with a restricted budget frames to afford such huge bills.
Witnessing the steep rise in medical cost, it has become essential to think of some solution to deal with this problem. This increasing medical cost is going to shoot up further in next few years. It creates the chances of more and more people facing financial issues. The need of healthcare can come up at any point in life. So it is better to be prepared for it.
With an aim to resolve the affordability issue for people, the health insurance companies like Apollo Munich have taken the initiative to come up with an easy solution. They have formulated several comprehensive health plans that can assure the best health services. Equipped with a long list of benefits, these health plans play an appropriate role during medical emergencies.
These customer friendly health insurance policies provide extended coverage countering the affordability issues. Providing coverage for pre and post hospitalization, day care procedures, in-patient expenses and the like, it caters to the need of complete health coverage.
The Easy Health plan offered by Apollo Munich is one such comprehensive health cover. Besides taking care of the basic health care it facilitates an additional optional cover for critical illness. It covers eight major health ailments: kidney failure, first heart attack, major organ transplantation, cancer, bypass surgery, multiple sclerosis, paralysis and stroke. This provision entitles the policy holder to protection from critical health ailments.
While purchasing a health insurance it is crucial to pay attention to such benefits. You must buy a plan that includes all the features that can secure you from maximum health risks. With the rich variety of policies available in market, people need not compromise with their healthcare needs. The wide coverage plans are well in reach for people of all income groups. Pertaining to one’s specific health needs, every individual can select a plan as per their own choice. Easily affordable plans can get adjusted in varied budget frames. Without disturbing the fiscal planning, the person can buy the plan and avail of the health security.
People somehow manage to bear the expenses incurred during minor health treatment. But the major health ailments that require hospitalization develop a financial fear in people’s mind. With the updated technology, medical experts have invented a cure for many critical health disorders. But many people are able to receive the advantage of it. The affordability bar carves its way into the best healthcare services. It becomes difficult to pay off the treatment expenses from one’s own pocket.
It has been observed that people have faced difficulties due to this reason. It leaves them with no other alternative apart from either borrowing money from others or selling off their precious articles. Whichever may be the option, it brings on financial stress. As a consequence instead of concentrating on one’s treatment, the person gets bothered by such stress filled thoughts. But by opting for a health cover one can save oneself from this risk. Buying insurance is a precautionary measure that prepares the person before he/ she gets stuck in any such situation. The insured can get relieved from the financial strain and can seek quality health treatment.
It is to be observed that mediclaim also includes a rider called critical illness cover. It offers an extra protection to the policy holder. This service provides coverage to the dependents of the insured in the same health cover. It entitles the person to a lumpsum payment in case of any major illness that is covered in the plan.
There are several reasonable health plans available that involve this feature. This is an optional feature that comes as a rider along with some health plans. Along with the assured health care cover, you can avail the add-on benefit that can provide a complete protection. If the person purchase it as an additional cover, he/ she get entitled to a lumpsum coverage amount above the treatment amount. However it adheres to the sum insured.
Increasing health risks have raised the chances of financial risks that people may have to go through. The expensive treatment procedures generate long list of expenses. At times these expenditures go beyond the savings of a person. This gives rise to a complex situation not only for the individual but also for the family. The high medical cost compels them to compromise with the quality of health services. As an answer to all such worries, health insurance emerges as an appropriate tool.
Innumerable cost- effective health policies pave the way for those seeking the best medical care available. To avail of the required health services it is essential to choose the right product. The individual must analyze the personal health needs and then search pertaining to that. The selected plan should be able to offer you wide coverage in exchange of a reasonable premium cost. It must be equipped with long list of benefits so as to cater you with best health care. All terms and conditions need to be studied thoroughly before investing. Also the factors like value added services and exclusions must be viewed properly. It is always recommended to choose a plan that incorporates the facility of critical illness cover. It serves the purpose of giving better coverage and thus a completely stress free medical care in times of need.
Invest in a comprehensive plan like Easy Health and avail of the critical illness cover to get complete protection.
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