Today the world has changed a lot from what it used to be 10 or 15 years back. Pollution has increased significantly, and weather us constantly changing. All of these things act together to affect an individual’s lifestyle and health.
Costs of various medical treatments are out of a common man’s reach. That is why everyone should avail a good health insurance plan. The plan should cover all of the expenses.
Here are some perks of availing a health insurance plan.
Medical Expense Coverage
The main reason why a lot of people avail health insurance is that they need top notch medical treatment without suffering a lot in terms of finances. You insurance plan will protect you from high medical costs by covering a lot of major expenses. That free you of any financial strain and you can simply focus on your speedy recovery.
Critical Illness Coverage
You can purchase the critical illeness coverage plan either as a separate plan, or an extra add on to your previously existing health insurance plan. This plan will cover you against any life-threatening illnesses like kidney failure, stroke, loss of limbs, bone marrow transplant and so on.
When you have a critical illness plan in place, you’re entitled to receive a lump sum amount upon diagnosis of a critical illness. You can use that amount to cover all of your medical expenses.
Group insurance plans are used by companies to cover their employees and provide them with medical coverage whenever they need. But these insurance policies are made for the bulk and are not tailored to needs of every individual. Additionally, this coverage is only for as long as you’re working for that employer, so, you won’t be covered after leaving the job. So, to protect yourself against such situations, you should purchase an extra insurance plan like Humana Gold Plus HMO in addition to the one being provided by your employer.