Anil lived a busy life in the city, surrounded by cars, factories, and constant noise. The polluted air was something he had gotten used to. But things changed when his little daughter, started wheezing during bedtime stories. Her cough wouldn't go away, and soon, Anil found himself at the doctor's office more often than he could count.

Each visit came with expensive bills, and Anil began to feel the pressure. He wanted the best care for her daughter but worried about how he'd afford it all. That's when a friend told him about health insurance. At first, he wasn't sure, but he decided to try it.

With a health insurance plan , everything became easier. The hospital visits no longer felt like a burden, and her daughter got the treatment she needed without delays. For the first time in months, Anil felt at peace knowing his family's health was secure.

Health insurance isn't just about money—it's about keeping your loved ones safe, no matter what happens.

Why Health Insurance is a must?

1. Covers High Medical Costs: Medical treatments, especially for serious illnesses or emergencies, can be very expensive. Health insurance helps you manage these costs and prevents you from spending more than you can afford.

2. Protects Your Savings: Instead of using your hard-earned savings for medical expenses, health insurance ensures you stay financially secure during a health crisis.

3. Easy Hospitalization: With cashless hospitalization, you don't have to worry about paying upfront. You can get treated without the stress of immediate payments.

Income Tax Benefits of Health Insurance

Health insurance not only secures your health but also offers tax-saving benefits under Section 80D of the Indian Income Tax Act:

1. For Individuals Below 60 Years:

• You can claim a deduction of up to ₹25,000 for premiums paid for yourself, your spouse, or your children.

2. For Senior Citizen Parents:

• If you buy health insurance for your parents aged 60 years or above, you can claim an additional deduction of up to ₹50,000.

This means you can save up to ₹75,000 in taxes annually while protecting your family's health.

Secure your finances and enjoy tax benefits with health insurance.

How does our environment influence our health insurance needs?

The environment we live in plays a major role in shaping our health risks, especially when it comes to pollution. High pollution levels have been linked to various health issues, including respiratory problems and an increased risk of cardiac arrests.

Constant exposure to polluted air can strain the heart, making conditions like heart attacks more common even among younger individuals.

To address these risks, Policy.Onlinecan help you find the right health insurance with specialized coverage, such as Critical Illness Health Cover, designed specifically for serious conditions like heart attacks. These plans provide a lump sum payout upon diagnosis, helping you manage medical costs, hospitalizations, and recovery expenses without financial stress.

What is Moratorium Period in Health Insurance?

The Moratorium Period in health insurance refers to a waiting period during which certain conditions or illnesses are not covered by the policy. This period typically starts from the date your health insurance policy begins.

For example, if a health insurance plan has a 2-year moratorium period, it means that any pre-existing conditions (like diabetes or heart disease) will not be covered for the first two years of the policy. After this period, these conditions may be eligible for coverage, depending on the terms of the policy.

The moratorium period ensures that people don't buy insurance only when they're already sick, helping to keep premiums affordable for everyone.

With Policy.Online, you can compare the moratorium periods of different insurance companies to find the policy that best suits your needs.

What does it cover and what it doesn't?

Covers:

• Hospitalization Expenses

• Pre and Post-Hospitalization

• Day-Care Procedures

• Emergency Road Ambulance

• Organ Donor Expenses

• No Sub-Limit on Room Rent

• Family Discounts

Doesn't Cover:

• Treatment Outside India

• Self-Inflicted Injuries

• War-Related Injuries

• AIDS/HIV

• Obesity or Cosmetic Surgery

Conclusion

Health insurance helps manage medical expenses, protects your savings, and ensures you get the care you need during emergencies. Policy.Online helps you find the right plan, including coverage for critical illnesses and moratorium periods. Stay secure and prepared for any health challenge.