Health Insurance Myths & Facts / हेल्थ इंशुरंस समज आणि गैरसमज - 8

Myth: Once bought, the Health Insurance terms remain the same.

#Health Insurance is a contract that is renewed every year between the insurer and the insured. Like every contract the terms can change at the time of renewal. You better be sure to keep checking any update emails or letter you may have received from your insurer at the time of making the premium payments to avoid any surprises later on.

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Health Insurance Myths & Facts / हेल्थ इंशुरंस समज आणि गैरसमज - 6

गैरसमज : हेल्थ इंशुरंस म्हणजे फ़क्त Income Tax/ आयकर वाचवण्याचा मार्ग आहे.

बरेच लोक अजूनही हेल्थ इंशुरंस फक्त आयकर वाचवण्याकरता घेतात आणि चुकीची पॉलीसी घेतल्यामुळे जेव्हा खरच वेळ येते तेव्हा पश्चाताप करतात. आयकरामधील सुट देण्यामागे सरकारच धोरण चांगलच आहे पण आपण पॉलीसी घेताना फक्त आयकर कसा वाचेल या एका गोष्टीचा विचार करून चालणार नाही.

लक्षात घ्या : हेल्थ इंशुरंसमुळे आपला आयकर वाचणार आहेच पण त्याहून खूप जास्त पैसे वाचतील (हॉस्पिटलचे बील) जर तुमचा हेल्थ इंशुरंस योग्य असेल.

Health Insurance Myths & Facts / हेल्थ इंशुरंस समज आणि गैरसमज - 7

Myth: Pregnancy won’t be covered

This Myth in India has arisen due to the fact that till a couple of years back most health insurance companies were not willing to cover pregnancy, since they viewed it as a sure-shot claim in most cases. This has however changed and insurers have now started to cover pregnancy in the health insurance cover as well. However, there certain conditions and depending on your policy you may find that some policy require a waiting period of 3 years before they cover pregnancy related claims, while some would only cover the 1st pregnancy.

Whatever the case is, pregnancies are now covered though conditionally, so when you do opt for a Health Insurance, check out the pregnancy clause and its conditions.