Aaj kal hospital ka kharcha bahut tej se badh raha hai. Kabhi bhi kisi bhi ghar mein koi bimari aa sakti hai. phir sabase pahale ham sochte hai ki ab bhala itna Sara paisa kahaan se aaega? Isi liye Health Insurance lete hain, taaki jab bhi koi problem aaye to pareshan na hona pade.
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| What Is Health Insurance |
Health Insurance क्या होता है?
Asan Shabo Me Kahu To Health Insurance ek prakar se samjhota hai. Hum company ko thoda-thoda paisa (premium) dete hain, aur jab hospital mein admit hona padta hai, tab company hospital ke bill ka bada hissa pay kar deti hai.
Kaise kaam karta hai?
- Har mahine ya saal ek fixed paisa (premium) company ko dena hota hai.
- Agar hospital me bharti ho gaye, to insurance company se claim karte hain hum.
- Company kuch documents mangti hai – hospital bill, reports, ID card wagairah.
- Sab sahi hua, to company maximum cover ke hisaab se bill pay kar deti hai.
Kya sabko health insurance lena chahiye?
Bilkul lena chahiye. Kya aap life mein kabhi bimar honge? Kaun guarantee le sakta hai! Small family ho ya big family, health insurance sabke liye important hai. Ghar ke buzurg, bachche, sab ke liye alag-alag plans aate hain. Bina health insurance ke hospital ka jo bill hota hai vo lakhon rupaye tak bhi pahuch jata hai.
Health Insurance ke fayde (Benefits)
- Bada bhari hospital bill pay karne ki tension nahi hoti.
- Cashless treatment – kuch hospitals mein aapko payment karne ki zaroorat nahi, company hi pay karti hai.
- Bharat ke Tax system ke anusar hame text mein bhi acchi khasi chhoot milti hai (section 80D ke anusar me).
- Bimari ya accident ke samay gharelu problems kam hoti hain.
- Kabhi-kabhi free health checkup bhi milta hai policy ke saath.
Health Insurance lene se pehle kya dekhना chahiye?
- Policy ka cover: Kitne rupaye ka cover mil raha hai – 3 lakh, 5 lakh, ya 10 lakh. Family size ke hisaab se choose karein.
- Network hospitals: Kaunsi company ke card par kitne hospitals cashless hain aapke area mein?
- Claim settlement ratio: Kisi bhi company ka claim jaldi settle hota hai ya nahi – 90% se jyada thik hai.
- Premium: Aapke budget mein aaye — neither bahut mehnga, na bilkul cheap.
- No claim bonus: Agar ek saal claim nahi kiya, to next year cover thoda badh jata hai ya premium kam ho jaata hai.
- Waiting period: Kuch bimari pe turant cover nahi milta, 1-2 saal ki wait hoti hai — policy kharidne se pehle jarur puchhein.
- Exclusions: Har plan mein kuch cheezein cover nahi hoti — inko dhyan se padhein.
Health Insurance kaise kharidein? (Step-by-step)
- Apne liye or family ke liye plan decide jaroor se jaroor karna chahiye.
- Online comparison tools se 2-3 companies compare karen – LIC, HDFC, Star Health, Care Health, ICICI, Bajaj Allianz wagaira.
- Company ki helpline pe baat kar sakte hain – doubts clear ho jayenge.
- Policy details padh lein, application bharin, payment online ya agent ke through kar sakte hain.
- Policy ka soft copy mil jane par iska, print kahi safe jagah par rakh sakte hain.
FAQs – Health Insurance ke common sawal
Q. Sasta plan lena chahiye ya mehnga?
Sirf sasta mat dekho – coverage aur service bhi dekhni chahiye. Mehnga plan har baar best nahi hota, lekin cheap plan me kuch cheezein chhup sakti hain.
Q. Single person ke liye bhi policy le sakte hain?
Haan bilkul! Individual plans aapke liye hi hote hain.
Q. Documents kaun se lagte hain?
Normally ID proof hona chahiye, aadhar, age proof bhi, kuch companies hoti hai vo medical test bhi karwa sakti hain sab ka apna apna rules hai.
Q. Cashless treatment kya hai?
Hospital bill ka bada hissa insurance company khud pay kar deti hai, patient ko cash dena nahi padta.
Q. Emergency mein claim kaise karein?
Hospital card, insurer ka toll free number, hospital billing desk — teeno par turant batao. Documents ready rakho.
Visual Suggestion:
- Simple chart – Health insurance ka process: Choose policy → Apply → Get cover → Medical emergency → Claim → Bill pay.
- Infographic – Top 5 health insurance companies and their claim settlement rate (2024 data).
Conclusion & Call to Action
Har ghar mein health insurance hona zaroori hai. Kyon ki life me kab kya ho jaye ye kise pata chalta hai isliye accha or sbse best insurance lene se badi se badi samasya door ho jati. Hai. Aap apne budget, family needs, aur company ke service ko dhyan mein rakhke policy dijiye – aur hospital bills ki tension bhool jaiye!
👉 Kisi bhi question ya apne experience ke liye comment karein – ham full guidance denge.
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Written by Nitin – Founder of Insurance Hero
Nice Information 😁
ReplyDeletethis is very good and deep infromation thank you
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