Health Insurance Policy: In recent years people have become very conscious about their health. The corona pandemic caused havoc across the world. During this, a large number of people came under the grip of physical ailments, as well as many people suffered mentally.
Symptoms are seen when you are physically ill, but in most of the cases battling mentally, symptoms are not visible, in such a situation people do not notice. Or those who are struggling with this problem, they themselves ignore it.
In such a situation, it is necessary that we be alert in both the cases. Take necessary action to prevent problems related to mental health.
There are many factors affecting our mental health. Although we cannot save ourselves from all the troubles, but by including some important routines in our daily routine, we can definitely avoid problems related to mental health.
For this, problems related to mental health can be avoided by getting enough sleep on time, balanced diet, being physically fit and active, being among family and friends and doing good deeds according to your happiness.
Also, we should work towards shaping a supportive society which is well aware with proper knowledge about mental wellness. This further makes the process of dealing with mental illness less strenuous.
Unfortunately, in many cases, mental health issues are affected by unfounded beliefs and costly healthcare facilities. Comprehensive health insurance policy proves to be helpful for the insured in protecting against the expenses incurred in both the cases. This policy provides financial security to the insured.
If you are thinking of buying a health insurance policy, here are some reasons to consider health insurance that covers both physical and mental health ailments.
Availability of suitable doctor during mental health related problems
Problems related to mental health may require therapy, medical counseling or long-term treatment. Therapy, medical counseling, and treatments can go on for months and even years during poor mental health.
In such a situation, depending on the severity and severity of the mental health problem, the medical cost of each patient can be between Rs 800 and Rs 4,000 for each treatment. In addition, the patient may require one or more medical counseling every week.
Finding a good doctor in such a situation is a challenging task. Treatment of problems related to mental health requires a long time and patience. In such a situation, before taking a comprehensive health insurance policy, you should take the advice of a professional related to the insurance field.
An appropriate health insurance policy can be purchased to pay the cost of online or offline medical counseling as well. Due to which the insured gets relief from the additional financial burden without any hassle and the insured gets help when he needs medical treatment.
Treatment expenses for mental health problems can be high and can also affect your monthly expenses and financial goals.
Relief from costly medical expenses
Apart from the treatment cost of poor mental health, constantly expensive medical facilities are also a serious problem that the insured should also think about.
In recent years, the corona epidemic has increased financial challenges, due to which inflation has also increased. This pandemic has not only affected the health sector a lot. One can get relief from rising inflation by buying a comprehensive health insurance policy that covers poor mental health.
The increase in the treatment cost does not make any difference after purchasing the cover of the respective insurance policy. This insurance policy is helpful in providing financial assistance to the patients of poor mental health when they need it.
Facility to provide preventive test
Ignoring mental health triggers is one of the biggest problems in today’s time. In such a situation, under a comprehensive health insurance policy, the insured gets the facility of getting health checkups done from time to time.
For the betterment of the insured, the insurance policy provides the facility to conduct various health check-ups like Annual Expert Wellness Assessment, Stress and Happiness Index score, wellness related content, some events. At the same time, the triggers are identified due to which the insured has suffered mental illness.
Preventive tests helps in getting rid of the disease as soon as possible. In such a situation, treatment at the early stage and at the right time is essential. The financial burden is much higher when the disease is detected at a later stage. Preventive test proves to be very important to avoid them.
Covering physical health issues
Apart from matters related to mental health, a comprehensive health insurance policy should cover treatment for ailments related to physical health. It should not only provide hospitalization but also OPD and wellness facilities. Usually these features are not covered under a general insurance policy, but recurring issues are covered.
A comprehensive health insurance policy provides pre-planned facilities to ascertain the health condition and keep the insured fit. Including health risk assessment testing, lifestyle disease monitoring and fitness tracking.
Peace of mind
It is very important to have cover from a comprehensive health insurance policy. Actually it will cover both physical and mental ailments for your loved ones. Along with this, it will also help in giving a lot of mental peace. You do not have to worry about raising funds in case of a medical emergency.
To stay completely healthy and fit, it is important to take care of your mental and physical health. It is easy to recognize disturbances in physical health. But people often ignore the disturbances in mental health. In such a situation, taking a comprehensive health insurance policy can prove to be very important for your health. Apart from this, it proves to be very helpful for the safety of the whole family.
Most of the insurance companies offer lifelong renewal facility to comprehensive health insurance policies. You can buy it for yourself and your loved ones.