This idea sounded relatively nice and unique idea but little did I know about what was in store for me! I had no idea if I could buy health insurance policies for my parents who are in their” golden times of life”, the 60 age group.
I was thrilled to know that buying a health insurance policy for my parents is extremely profitable owing to the following reasons
Health Coverage Buying a health insurance policy for elderly citizens is a pivotal investment as falling sick is an ineluctable factor that comes with aging. So I wanted to plan for charges that might do in the future and wanted to take care of it in a methodical manner. In the case of health heads, I wanted to be ready for the unforeseen fiscal need and the fiscal vacuum that may arise due to it.
Pre-Being Disease Coverage I was under the wrong print that a health care policies doesn’t cover any being illness and that I will not be suitable to secure the health of my parents. still, many health insurance programs do cover”Pre-Existing conditions” if you pay a certain redundant decoration. Pre-existing conditions are nothing but affections or conditions that were passed indeed before buying a health insurance policy. Since my father had medical complications formerly, I wanted a health insurance policy with apre-existing complaint content and was happy to know that there are relatively a lot of them.
Annual Health Check-Ups With my parents being in their60, getting a free medical check-up every time is further than what I can ask for. The fact that their medical check-ups would be done regularly and it’s free of cost, was an added benefit of the health plan. Also, the medical reports are electronically archived for my reference at any point in time. Quite a lot of elderly citizen plans have periodic health checks, which help in covering health in the after stage of life.
Cashless Facility In the plastic currency age health insurance for elderly citizens provides cashless services like ambulance charges, and hospitalization charges. without fussing about the vacuity of cash.
NoSub-limits In hospitalization a major part of the medical charges is the room charge. An apt hcsc medical policy furnishing company provides payment on room charges which varies upon the sum assured of your plan and the type of plan chosen. So, all I demanded to do is conclude a health plan with high or no sub-limits which restricts my benefits of serving a better quality of room on hospitalization for my parents, if ever needed.
Paraphernalia Charges A Health Insurance policy not only covers the hospitalization charges but it also covers the pre and post-hospitalization charges which include medical bills, checks, etc. before and after hospitalization( depending upon the number of days and manner of illness). These are charges no bone keeps a track of, but yes, it accounts for a relatively lot of the charges. Since utmost health plans, including the elderly citizen’s bones, have-hospitalization and post-hospitalization benefits, it’s a fresh relief for my parents.
Day Care treatment modality Health Insurance programs cover daycare costs for treatments like dialysis, angioplasty, cataract operation, and chemotherapy where generally hospitalization for a minimum period of 24 hours isn’t obligatory. It’s more important that the case gets proper and quick treatment at the least cost and that insurance companies are proactive in icing that gratuitous hospitalization does not be because of the” minimal period of hospitalization” clause!
