Health insurance as you know is one of the most popular insurance in our country. Motor insurance is the most bought insurance that too after the government made 3rd party compulsory. Health insurance comes close second.
If we talk about health insurance, still not more than 30% people in the country have bought this. But why it’s happening like this. In a country where there are decent no of insurance companies, plus lot of brokers and agents, still it has been seen that awareness lacks.
Or may be the kind of awareness that should have been there is still not there even after huge amount is spent on advertisements by insurers. It can be due to the fact that still people think of this as an additional task rather than necessity. This holds true for large no of people.
You only get to know the importance when some mishappening happens and hospital sends you a fat bill. One more thing here that is to be noted that we should not take insurance for the sake of it. Or rather not be under insured. At least a decent sum insured of insurance should be taken, so that if something happens, you need not spend lot of amount from your pocket.

One good thing is that like in other services, here also some good brokers are there in the market who actually act as consultants and can guide you with the correct policy design , and the whole process. They even guide you in the claim filing process , or even when some claim is stuck. Surely as a consultant they help you better and go an extra mile to get the hardest of the claim passed.
If we simply see the benefits of health insurance be it in individual or group, there are many.
First of all you have that relief in your mind that if suppose something happens all of sudden, someone is there to help you out in the critical situation.
Like this happened with a known person, his salary was merely 20k, he had taken a Rs 5 lacs cover. He had a claim of 6.2 lacs. Even his family conditions were not good, no one was working. It was this insurance plan with Star Health that actually saved him from the medical cost. With the ever increasing medical cost, I believe this is the need of the hour.
Secondly, you can in fact show that up in your tax filing. That’s possible in case of individual health insurance.
Also, if there is no claims for a particular year, you can get benefit in terms of cost or value added services for the upcoming year.

With all these benefits, I believe it’s the duty of everyone to spread more awareness about it and nothing should stop us from taking the benefit.