Mothers symbolize unconditional love and affection, and their existence is eternal. In sickness and health, in times of trouble and stress, you can always count on your life giver to support you. Your mother lends you a hand and gives you sound advice. However, their body needs rest after a certain age as they become more vulnerable to certain diseases and health issues.
The medical expenses can be a little overwhelming to get the treatment you want, and thus provide your mother with a health insurance the plan is a good idea. The best way to take care of your mother’s health needs is to opt for tailor-made health insurance.
Why is health insurance important for your mother?
Personal health insurance serves as a financial umbrella for the insured person, and in this case, that’s your mother. Purchasing a health insurance policy for your mother will ensure you have the best medical facilities and treatment for her when needed. All you need to do is be regular with your premiums, and you can save a considerable amount in potential healthcare costs.
Here are some benefits of health insurance:
1. Availability of treatments in the hospitals of the network
Insurance companies are partnering with hospitals to provide cashless treatment to customers. Bajaj Finance health insurance plans are backed by an extensive network of hospitals that offer state-of-the-art facilities with provisions for cashless claims. If your mother is ill or in need of hospital treatment, you must choose the network hospital closest to you and provide your policy credentials. The whole process will be cashless; from admission to treatment and discharge, you will be worry-free. You don’t even have to contact your health insurance fund for reimbursement. Network hospitals also offer discounts on most, if not all, services.
2. Coverage for a pre-existing condition
Our immunity to fight disease decreases as we age. Also, in today’s time with unpredictable health circumstances, it is extremely important to take care of your health. Therefore, when choosing an insurance policy for your mother, you should look for one that covers pre-existing conditions. Make sure the policy you buy covers pre-existing conditions, although it may carry a relatively higher premium and require more documentation. Note that most insurers only offer coverage for pre-existing conditions after a waiting period of 18 to 24 months.
3. Pre and post-hospitalization cover
Most personal health insurance plans cover hospital costs up to a certain period. But not all illnesses require hospitalization. Some long-standing conditions such as diabetes, gout, and hypertension are chronic and require regular medication/treatment.
There may be times when your mother needs to undergo diagnostic tests, see a doctor, etc.; all of this can be costly. Medicines and drugs are also an expensive proposition these days.
Therefore, a health insurance plan for your mother should necessarily include OPD visits and other pre-hospitalization costs. Also check if the policy provides ambulance facilities and coverage for AYUSH treatment and in-patient care.
4. Keeps a person financially secure
Being prepared with the right health insurance plan is the best way to deal with unexpected medical emergencies rather than dipping into your savings or cashing in on your other assets. The mental relief of knowing that your mother’s health needs and your finances are both secure is a bonus. You don’t have to rely on additional financial responsibility in the event of a medical emergency in the family.
5. Other benefits
Many health plans, such as those from Bajaj Finance Limited, offer extras like free ambulance services, child care, free health checkups and special vaccination campaigns. A health insurance policy for your mother can also include free annual tests to identify disease risk factors and catch problems early. Using network hospitals gives you access to discounts on OPD services, lab and radiology fees, and even on medication purchased from licensed pharmacies.
This Mother’s Day, celebrate the woman in your life by buying her comprehensive health insurance and giving her good health. Bajaj Finance Limited health insurance policy is the right way to ensure prompt and proper medical treatment for your mother.
It can be a small gift to a mother for the unconditional love, care and affection she has given throughout her life. This insurance coverage will allow him to get the best treatment without any financial burden in the event of an unfortunate medical emergency. At Bajaj Finance Limited, we also provide health insurance plans for families to help you find adequate and comprehensive coverage for yourself and your family.
Disclaimer: This content is distributed by Bajaj Finserv. No HT journalists are involved in the creation of this content.