Health Basica

A woman's physical functions are different from that of a man. There are a few diseases and ailments only women face in their lives. Some are easily curable while others can be fatal. Therefore, we should make it a point to buy health insurance policies for women. These policies help cover medication, operation procedure, and hospital stays. To understand this further, let us look at some ailments women exclusively face. 1. Weaker Bones As women age, their bone density tends to decline. The calcium in the system reduces, leading to arthritis, osteoporosis and slip disc. They appear post 40 years of age. For some women, the ailments occur all of a sudden or through 3-4 years. Operations for arthritis and osteoporosis include knee replacement. Unfortunately, it's an expensive procedure. A health insurance policy can help cover the cost to an extent and thus, save money. 2. Cancer Cancer is fatal and unpredictable. But the breast and lung cancer is most common among women. Since c...

Health insurance is an inevitable need, and so you are likely to find a plethora of health insurance schemes in India. However, the only problem is, health insurance is merely a tax saving option since the Indian Income Tax laws allow a deduction of Rs 25, 000 on health insurance premiums. Even in that, people take insurance schemes with lowest premiums with low financial coverage. Though this won’t be a problem as long as the person doesn’t fall severely sick. If they do, the chances are they will exhaust their coverage and would end up paying a hefty sum from their own pocket. Now, no matter what we say or how many reasons we put forward to persuade people into buying a health insurance with higher coverage as a precaution, things are very unlikely to change. Thus, we would recommend a top up health insurance as a measure. What is a top-up health insurance? A top up health insurance plan goes above and beyond the traditional cover offered by health insurance policies. It has two pri...

Personal accident insurance policy has a number of advantages. Accidents are like unforeseen calamities and when they happen, not only does it cause distress and trauma, but it also adds to the financial burden of the family. Accidents can result in death, or in partial or complete disability. In case one has insurance, all these contingencies are covered. The insurance company pays for the disability, or in case of death, the amount is paid to the family members. The cover takes care of the expenditure that arises with the treatment. Accident insurance is different from a health insurance. In fact, personal accident insurance cover premium are also extremely low compared to most health insurance plans. It is however, advisable to get a cover at least ten times the amount of one’s salary because in case an accident occurs, this is going to act as your source of income while one is in bed. One can get a cover of up to Rs 30 lakhs online and even higher when it is bought through insurer...

Maternity insurance plans have been started by various companies in order to cover the financial obligations which are involved when having a child. This begins right from the time the news of the pregnancy breaks. This includes visits to the doctor, medical examinations and various nutritional supplements which are needed until the delivery of the baby. Once the baby gets delivered, there are further tests and vaccinations involved. In short, the entire process costs a significant amount of money. This is why a number of insurance providers have today come up with a number of maternity insurance plans to ensure the well-being of both the mother and the baby. In short, a maternity cover provides a lot of benefits. If you are planning to opt for one, here are the top points which you must remember before purchasing - Coverage You need to confirm the expenses which are covered in the policy. These days most of these plans cover the cost of hospitalization, ambulance services, and costs ...

Having health insurance in place is an essential requisite, especially for those prone to face health issues every now and then. Though the importance of health insurance is quite evident, the two primary reasons to subscribe to the product are:- You and your family members (whoever is covered as per the policy) are covered against medical expenses incurred at any point in their life. This helps you save a huge chunk of money which would have been otherwise used to pay those expensive bills if you haven’t had health insurance in place. Medical insurance allows you to claim a tax rebate for the amount paid in a year as premium towards the insurance.  You Must Know - How to claim Health Insurance Plain? Tax benefits for health insurance subscribers. You can claim a tax-exemptions up to Rs. 75000 for the expenses incurred for a dependent disabled person in your family. These deductions are available under section 80D of the Indian Income Tax laws. Please check the terms & condit...

The earthquakes that hit Nepal in 2015 convinced a lot of people in India that house cannot be secure without insurance. This is because natural disasters can strike any time and to protect oneself from its damaging effects, it is best to have a home insurance .  Such an insurance neither fixes nor prevents damages. What it does is reduces or compensates greatly the costs involved in restoration of homes. It is best to compare what the different home insurances have to offer before opting for one. Also, there are a number of myths regarding home insurance. Let’s dispel a few of them - Act of God Not Covered You need to read out the terms and conditions of your insurance policy carefully. There are a number of policies where any and every damage caused by natural disasters be it heavy rains or thunderstorms among others are covered. Claim Settlement is a Headache This is the biggest myth among all of them. Claim settlement for any house insurance in India is not a tough deed. If the...

Despite having a thorough knowledge about how to maintain a healthy life, there are people who commit some major health mistakes every day without even realizing it. To give you a gist, some of them are mentioned below.  1. Not exercising:   Exercise doesn’t mean you have to hit the gym daily or lift heavy weights, doing yoga for 10-15 minutes every morning or going for an early morning is more than enough you’re doing it consistently.  2. Not having a health insurance policy in place:   Not having a comprehensive family or individual health insurance is a cardinal mistake which would cost you your entire savings. The thing is, life won't work as per your plans and so won't your health. Besides, major health problems like cancer, disabilities and blood pressure issues have become very common even amongst youngsters. Hence, you should never take your life for granted nor take your health lightly. As soon as you realize the importance, get on the internet and find a c...