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Health Insurance

About Health Insurance

Health insurance is a type of coverage that pays for medical, surgical, and sometimes dental expenses incurred by the insured. It helps protect individuals and families against high medical costs, ensuring access to quality healthcare without causing financial strain.

What is Health Insurance?

Health insurance provides financial coverage for medical expenses arising from illnesses, injuries, and other health conditions. Depending on the policy, it may cover hospitalization costs, doctor consultations, surgeries, prescription medications, preventive care, and more.

Types of Health Insurance:

1. Disability Insurance
2. Critical Illness Insurance
3. Individual Health Insurance
4. Short-term and long-term disability plans

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Benefits of Health Insurance

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Financial Protection: Covers high medical costs, protecting savings and assets.
Cashless Hospitalization: Allows treatment without upfront payments at network hospitals.
Comprehensive Coverage: Includes hospitalization, day-care procedures, ambulance charges, and sometimes preventive health check-ups.
Pre- and Post-Hospitalization: Covers expenses incurred before and after hospitalization, such as diagnostic tests, medications, and follow-up consultations.
Tax Benefits: Premiums paid for health insurance are eligible for tax deductions under applicable laws (e.g., Section 80D in India).
No-Claim Bonus: Rewards for not claiming during the policy term, increasing the sum insured without additional premiums.