Along with Your Job, Upgrade Your Health Insurance

You deserve it!! Congratulations on your promotion!! Getting that new job or a promotion is a thing of happiness for all of us. Our merit is noticed, career grows and more importantly, the pay package increases. If this is not the reason which calls for celebrations, what is? A job change or a job promotion and a salary raise bring us such joy and we do not think twice about indulging ourselves.

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      Some buy that coveted trendy phone, some throw a party for their friends and family, and some take that much-needed vacation while others enhance their savings and invest. Well, whatever be your choice of celebration, we often forget the one thing which also requires upgradation.

       

      You all must be wondering what upgradation I am talking about which is so essential. It is health insurance. Yes, something which always takes a back-seat when we celebrate our job change or promotion.

      A health insurance plan is very important for us. It protects our finances from the shock of huge financial bills incurred whenever any medical emergency strikes. Think of it, you face an accident and are hospitalized and your treatment raises a bill of Rs.3 lakhs! How do you think you would shoulder such costs if you do not have a health insurance plan or have a plan with low coverage level?

      A decent coverage amount and an all-round coverage are very essential when it comes to health insurance and ensuring these two objectives is the only solution towards a better future. To fulfill these objectives, one need finances and a job change or a promotion provides the perfect opportunity to meet these objectives. But alas! We always ignore the opportunity, don’t we?

      To make sure that you don’t fall into this trap of ignorance, you should upgrade your health insurance policy whenever your pay package increases. Why? Because –

      • Medical treatments are expensive – Yes, inflation is shooting up the prices of everything and medicine is no different. New treatments and processes are becoming costlier by the day and so is the cost of drugs. Thus, you need a sufficient level of cover to meet such high expenses.

      • Diseases are becoming rampant – Even Critical illnesses are becoming very common among individuals and more and more people are falling prey to one disease or another which inevitably requires medical attention. Since treatments are expensive, the rising incidence of ailments spells trouble.

      So, upgradation of your health plan is necessary and when your finances are supplemented, you should not shy away or procrastinate upgrading your health insurance plan. So what you should do? Here are a few pointers to help you:

      • Buy a plan – Ok, this is for those who have put off buying a health insurance plan for a later date. But what is your excuse for further procrastination? Your pocket can now afford a health insurance plan and you should invest in one immediately!

      • Supplement your coverage – For others who were wise enough to insure themselves under a health insurance plan, a job change should motivate you to increase the extent of coverage you have. As mentioned earlier, inflation is a killer and having an optimal level is essential in this age and also for future.

      The ideal way to supplement the coverage level would be to invest in a top-up or a super top-up plan. These plans come cheap and are essentially meant for increasing the coverage at a low premium. So buy one today and secure your finances from the huge bills.

      • Invest in specialized plans– For those of you who have a health insurance plan with an optimal coverage, the next step you can take for an all-round protection is buying specialized plans. Critical Illness Plans, Hospital Daily Cash Plans, etc. are some of the specialized plans for your consideration. These plans provide a fixed benefit and come in handy in times of emergencies when your health plan might fall short.

      A job change brings a lot of expectations from the family front, especially in terms of financial security. Upgradation of your health insurance plan is a very necessary step towards that security.

      Those flashy gadgets, foreign trips and party for your friends would not protect your finances when a medical emergency strikes, a health insurance plan will. So what are you still waiting for, your salary has been upgraded, why shouldn’t your health insurance plan be too?

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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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