Health Insurance ke Fayde: Bimari kabhi bhi bta kar nahi aati aur jab hame ya family mein kisi member ko koi bimari hoti hai to hamari sabse pahle yahi koshish hoti hai ki hame ache se acha treatment mile, par kai bar bimariyo par hone wala kharch itna adhik hota hai ki hame financial problem ka saamna karna padta hai aur ilaj bhi thik se nahi ho pata. In sab pareshaniyo se bachne aur jarurat padne par best treatment lene ke liye jaruri hai ki swasthya bima ka sahara liya jaye. Kya Kyu Kaise ke is article mein hum janenge health insurance policy benefits in hindi.
Health Insurance Kya Hai : What is Health Insurance
Health insurance ek swasthya bima hota hai jo aap ki bimariyo ke treatment par hone wale kharche ko cover karta hai, jisme aap har saal kuch paise insurance company ko dete hai jise premium kehte hai.
Swasthya bima 2 parkar ka hota hai, pahla individual jisme har vyakti ka bima alag se hota hai aur dusra hai family ka jisme parivar ke sabhi members ka bima ek sath hota hai.
Health Insurance ke Fayde
Swasthya Bima Kyu Karna Chahiye
1. Aaj ke samay mein bimariyo ke ilaj par hone wala kharch bahut badh gya hai aur kuch bimariya to aesi hoti hai jiska treatment karwana hamari pahunch se bahar ho jata hai. Aese mein aapko health insurance madad kar sakta hai. Agar aapke pass health insurnence policy hai to aapki bimari ke ilaj par hone wala kharcha insurance company uthati hai. Company kitna kharcha karegi ye aapke health plan aur policy ki conditions par nirbhar karta hai.
2. Health insurance policy ka premium itna jada nahi hota ki aap ise na karwa sako. Example ke liye agar aapki age 30 saal se kam hai aur aapke parivar mein aapki wife aur ek chota bacha hai. Aese mein agar aap 3 lakh ka insurance karna chahte hai to aap ko ek saal ka 6000 se 7000 ke lagbhag ka premium bharna hoga matlab mahine ka 500 se 600 rupaye. Agar agle 3 ya 4 saal mein koi bimar bhi padta hai tab bhi hospital ka bil aapke dawara bhare hue premium se adhik hoga.
3. Bike aur car ke insurance har koi karwa leta hai par kuch log swasthay beema par paise lagana jaruri nahi samjhte. Apne parivar ko fainancial aur health security dene ke liye har kisi ki health insurance aur term plan lena chahiye. Health insurance lene par aapko income tax mein bhi laabh milta hai.
Health Insurance Kaise Le
Hamare desh mein jadatar log health ka insurance nahi karwate aur jo karwate hai unme se bhi bahut se logo ko swasthay bima ki jada jankari nahi hoti aur insurance agent par vishwas kar ke policy le lete hai. Bahut se agent aese hote hai jo aapke vishwas ka fayda uthate hai aur aapko health plan ki puri jankari nahi dete jis wajah se aapko baad mein pareshani hoti hai. Swasthya bima lene se pahle kuch baato ka dhyan rakhna bahut jaruri hai.
1. Insurance agent aap ko galat jankari de sakte hai isliye apne form ko khud bhare aur policy se judi sabhi conditions ko dhyan se padhe.
2. Bima mein kai tarike ke health plan hote hai isliye apni parivar ki jarurato ko dekhte hue plan choose kare aur policy ke features ke bare mein online research bhi kare.
3. Health insurance karne wali companies jada profite banana ke liye coustomer se policy ka premium adhik lena chahti hai. Kisi health plan ka premium kitna hoga ye aap dawara batayi hui jankari par nirbhar karta hai. Kam umar mein premium kam hota hai aur umar badhne ke sath sath premium bhi badhta jata hai.
4. Aap ki policy mein kon kon si bimariya shamil nahi hai uski jankari le aur ye bhi jane kitne samay baad in bimariyo ko policy mein shamil kiya ja sakta hai, kyuki kuch bimariya aesi hoti hai jo policy lene ke pahle 2 saal tak policy mein shamil nahi ki jati isliye aapko un bimariyo ki jankari honi chahiye.
5. Agar kisi family member ko koi bimari pahle se hai to use chupaye nahi. Aajkal bimariyo par hone wale kharch ko dekhte hue kam se kam 3 lakh tak ka bima jarur karwaye.
Health Insurance Tips in Hindi
- Health policy lene par aap ko ek card bana kar diya jayega jisse aap cashless treatment ka benefit le sakenge, hospital mein admit hona pade to unhe apna policy card dikhaye.
- Jis hospital mein admit hue hai agar wha cashless facility nahi hai to admit hone ke 12 ghante ke andar card par likhe hue number par call kare aur admit hone ki jankari de taki aapko claim karne mein koi pareshani na aaye.
- Health insurance claim karte waqt sabhi reports aur documents ki photocopy apne pass bhi rakhe.
- Agar aapko apna insurance claim karne mein company ki taraf se payment dene mein koi pareshani aa rhi hai to aap IRDA ko iski complaint kar sakte hai.
Health insurance ke benefits aur iski importance to aap samjh hi gye honge isliye aap se yahi salah hai ki apni jarurt ke hisab se sahi policy le aur koi bhi policy lene se pahle uske bare mein puri jankari le taki jarurat ke samay aap ko koi pareshani na ho.
Dosto is lekh ke dawara hamara paryas yahi hai ki hum aapko swasthya bima ki ahamiyat ko samjha sake taki aap hospitals mein hone wale kharche ki pareshani se bach sake aur aapko jarurat padne par ache se acha treatment mile.
Health isurance karane ke liye bimar hone ka intejaar na kare balki samay rehte hi apna swasthay bima karwaye. Aap ko health insurance ke fayde, health insurance policy benefits in hindi ka ye article kaisa laga hame jarur bataye aur agar aapke pass koi sujhaav ho to hamare sath share kare.