Welcome to SkyFire Insurance Broking LLP!
Welcome to SkyFire Insurance Broking LLP!
The importance of health insurance cannot be emphasized more ever than in today's times. We all are going through a worse patch in which having the best health insurance policy can be a vital help for us as well as for our family. The real wealth lies in health and to keep yourself healthy. However, today climate change, pollution levels, work-life imbalance, rising stress levels are proving to be a major cause of medical emergency. In such times each person direly needs medical assistance at the proper time, which is possible in today's date with advanced technology. But the cost to get the best of service available at the right time is very high and is not affordable. Hence, having a health insurance policy has become a need for everyone.
Health Insurance is a medical coverage that protects the policy holder to meet his/her medical expenses by offering financial help. Due to high hospitalization expenses, it is very important to have health insurance policy handy. To ensure the offering insurance companies associate themselves with many hospitals and clinics to deliver cashless treatment to the insured person.
Covid-19 has underlined the fact medical emergency can take place at any time to anyone regardless of age, sex, health condition. Hence, it has become a necessity to have the best health insurance, which gives maximum benefits with affordable premiums.
There are various hospitalization expenses tangled for getting treatment in case you suffer from Covid-19. While you focus on faster recovery, we take care of your medical expenses by covering diagnosis, consultation costs at the time of pre-hospitalization and post-hospitalization as well.
Cashless treatment is the most relief one gets during a medical emergency as the family doesn't have to run for the money to be paid in the hospitals. Health insurance comes with the benefit of cashless treatment at all major hospitals in the country and all major insurance companies provide cashless claim facilities with fast approvals. The bill amount is paid directly to the hospital by the insurance companies.
The health insurance not just covers the expenses that occurred at the hospital during the treatment but also gives you claims for the pre & post hospitalization expenses. Such expenses usually include costly medicines, costly tests, Doctor's consultancy fees, etc. They too are a big part of medical expenses as it helps in diagnosing the exact health problems in the body. So having health insurance can save you with major
Medical expenses do not just limit to tests & treatments, in times of emergency ambulances play a critical role in saving one's life, and hence the cost of an ambulance is also covered in health insurance. Ambulances are equipped with necessary arrangements that help the patient sustain the critical injuries or illness until he reaches the hospital for further treatment. Hence, buying health insurance gives you endless benefits.
Many expenses are not directly covered into policy, such expenses include surgical accessories, other test charges, etc. The health insurance policy provides you a cash benefit where the insured person gets a lump sum amount for fulfilling all those expenses. It is a sigh of relief for everyone when usually we are short of money and don't have anyone to borrow from someone.
Medical tests show the results of a healthy lifestyle or are having any complex issue. These medical tests which usually cover a major of tests for heart, blood pressure, cholesterol check, etc are costly while taking them separately. But after buying health insurance you can get these tests done in the policy only. Also, after the age of 40, any person must go through medical tests for getting the policy. Here all these tests costs are bear by the insurance company before giving you the insurance
Maternity expenses are touching new highs and there is no option as all of us wants to get the best hospitality and best doctor for the birth of our loved ones. Hence, health insurance a pivotal role during the maternity days as the expenses increase depending on the delivery, and after the delivery, the vaccinations too put a hole in the pocket. Health insurance ensures you don't have to face this worry at the time of the birth of your loved one. Further, the sooner you buy the health insurance after your marriage the waiting period for getting the maternity benefit cover in the policy also completes fast and you get to plan for children.
Health insurance covers most of the expenses incurred in the medical emergency but there are many illnesses or complexities which burn out your insurance claims and all your savings too. Those critical illness strikes when you expect them the least to come. Hence, it is important to have health insurance which covers such critical illness like cancer, heart attacks, etc. These illnesses sometimes also require organ transplantations which are not affordable to anyone in today's times. The process to get an organ donor is equally tiring. Health insurance will help you in keeping away all the worries and tensions away.
It is a benefit that we wish every policyholder should get as they don't claim for their policy amount during the year because of any mishappening to them. The insurance companies provide no claim bonus each year in a different manner by giving some percent of the amount to the policyholder or many times they give an increase in your claim amount by an equal percentage of the rise. It is advised to buy the health insurance policy
The health insurance policy covers your life for a certain age mostly up to 70-80 years of age. However, many insurance companies provide a benefit of life-long renewal for your insurance policy. This renewal benefit will help you get covered for the policy in the old age too.
Insurance premiums paid to the insurance companies are tax-deductible which is another benefit you get. The insurance premium can be claimed under section 80D of the income tax act 1961 for the income earned during the year and premium paid on individual or family health insurance. Here too if you regularly pay your insurance at a younger age and renew at appropriate levels will help you save taxes for years.
Health insurance is not just for helping you in medical emergency times. It also an instrument for financial protection and securing yours and the family's financial future. It also helps you in planning your future needs and a lot of finances for those future needs. An average middle-income family's major expenses go in medical emergencies only, if you want to save big on these expenses and health insurance at an earlier stage is a must for all.
Most of the health insurance you already have or you are considering to buy will cover covid -19 damage.
Cashless claims are payments made by the insurance company directly to the hospital for the expenses claimed by the policyholder for his medical illness. The insured person just needs to provide the policy details for benefiting from it.
Network hospitals include a list of hospitals that are in-network with insurance companies and provide immediate assistance for the policy claims and other services to patients. These hospitals provide hassle-free assistance in getting a claim from the insurance company.
It depends on the criticalness of the illness whether it gets covered or not. Some serious illnesses like cancer, HIV, kidney diseases, liver diseases, down syndrome, etc do not get covered into the health insurance policy.
Medical check-up before buying health insurance is done depending on the age group of the consumer. The age group of 40 and beyond are prone to much chronic illness which requires a medical check-up before taking health insurance. Usually, a young person between the age of 18 to 40 won't require any medical check-up unless he has any critical illness at a young age