Health insurance covers the cost of both the medical expenses & the surgical expenses. Subject to the terms and conditions of the health insurance policy that an individual has taken, either the costs incurred due to illness or injury are directly paid by the Insurance company or the individual pays costs out-of-pocket and is eventually reimbursed by the Insurance company.
Need for Health Insurance
No one plans to get sick or get injured, but a serious health issue can strike anyone at any time. Medical costs are rising every year because of inflation and also advanced technological developments. The cost of treating the health issues can cause serious financial strain on current financial status as well as your future savings.
Health insurance is not a luxury; it is a necessity as the need for medical expense arises suddenly in most cases. An individual cannot arrange for a large sum of money at the last moment to cover his medical bills. This is the time when Medical Insurance comes handy.
Health Insurance policies come in different types. An individual can take the health insurance policy that suits him the best. With health insurance, you have a sense of security to protect yourself and your family against heavy medical bills. This makes health insurance policies critical for individuals, especially if they are the breadwinner of the family
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