World Hypertension Day be tension free with Health Insurance

• Protection against the rising healthcare cost

Over the years, medical inflation has been on the rise constantly. In such a situation, it may be challenging for you to take care of the treatment expenses. You may have to pay for doctor consultation fees, bed charges, pre-hospitalisation, and post-hospitalisation expenses, which requires a large sum.

Also, if you have hypertension, there is always a risk of being affected by conditions like stroke or heart attack, which can lead to depletion of your savings in one go. So, to avoid this, it is better to have medical insurance coverage.

• Get high quality treatment

During a medical emergency, you may look to get quality medical treatment. And, in India, the private hospitals are equipped with advanced technology and offer better treatment facilities than government hospitals. However, getting treatment at such hospitals means you need a lot of money. Hence, it is paramount that you have health insurance to remain stress free and get the best treatment possible without worrying about the high cost.

• Waiting period

All health insurance policies have a waiting period clause. It essentially means that the insurance company is not liable to pay for the hospitalisation expenses for a certain period from the date of policy commencement. The initial waiting period varies from one insurer to another; it generally ranges from 30 to 90 days.

Also, based on the terms and conditions of the plan, there may be a specific waiting period for conditions like hypertension. So, it is advisable that you purchase health insurance well in advance as soon as you are diagnosed with hypertension. This will help you be well protected before something unexpected happens.

Final Word

It is better to have comprehensive health insurance coverage for yourself and your family. You cannot control contracting any illness, but you can be prepared to deal with its treatment expenses and safeguard your finances. At Kotak General Insurance, we offer a wide range of health insurance plans with a plethora of benefits to suit your specific needs.

Disclaimer: The content provided is for education and informational purpose only, none of the information contained in our blog amounts to any form of opinion or advice. Please go through policy related documents carefully or consult an expert before making any insurance-related decisions.