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5 myths related to medical insurance

Naren
12 Oct 3 minutes

A medical insurance is a simple but powerful product. It reimburses all your expenses if you or your family members are hospitalized due to an illness or accident. You can cover all your family members in a single ‘floater’ policy and pay an annual premium to keep the policy active.

There is a wide range of options and plans available to buy your medical or health insurance. Here are a few of the most common mistakes one makes while buying a health insurance.

Myth #1: Young and healthy people need not buy health insurance

A popular belief among the youth is that they are healthy and are not going to benefit from health insurance. While age may be on their side, ignoring the future and associated health ailments is going to lead to an unprepared financial and mental shock. Given the modern lifestyle choices, quite contradictory, the youth today are more vulnerable to health ailments. Moreover, health insurance covers accidents also, which can obviously impact people of any age. It is always wise to start early while healthy to benefit from lower premium and optimum coverage.

Myth#2: All plans are the same

Quite often, people tend to buy a health insurance which their relative or friend may have bought. Does one size fit all? If no, why would the same health insurance plan be optimum for all? It is very important to buy a health insurance according to their situation and need.

The most important factors are – number and age of family members, pre-existing diseases (if any), and if the coverage has any limits on expenses.

Myth #3: It is best to buy the lowest premium plan

Of what use is a health insurance which costs a low premium but does not offer adequate coverage? Low coverage is as good as no coverage. Imagine a scenario where one suddenly contracts a serious ailment and then gets to know that, despite paying the premium for years now, he/she is not covered for that particular ailment. This is not a good situation to find yourself in. It is always advisable to compare plans and coverage before choosing the health insurance.

Myth #4: My employer offers group health cover, so I need not buy one

Many organisations offer a group health insurance cover. However, it is in your interest to buy a personal cover for your family as well. For one, you may not continue in the same job forever, so you do not want to have the uncertainty of continued cover if you switch your job. Secondly, the earlier you start your personal cover, the lower the premium and wider the diseases covered. If you start late and have a pre-existing disease by that time, many of those complications will not be covered.

Myth#5: My agent recommended plan X; might as well go with that

An agent works for a particular company and has incentives tied to the plan he sells. Is it not obvious that he/she will try to sell a plan that gives him highest incentive irrespective of how much it would benefit you? Another issue would be the lack of options as there might be a case where the company, which the agent represents, does not have a plan to suit your needs. A smarter approach would be to compare plans across various insurance companies in an online portal and choose the plan that suits you best.

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  97. การพนันออนไลน์ แหล่งรวมเกมคาสิโนออนไลน์ทุกต้นแบบทั้งแทงบอล บาคาร่า ยิงปลาและก็ที่ฮิตสุดเห็นจะเป็น สล็อตออนไลน์ ที่ไม่ว่าจะไปทางไหนก็ยังเป็นที่พูดถึงอย่างแน่นหนาโน่นเพราะเหตุว่าเป็นเกมที่เข้าใจง่ายและทำเงินได้ไว้ ยิ่ง เว็บพนัน ได้เพิ่มรางวัลเพิ่มขึ้นเรื่อยๆยิ่งเป็นที่ชื่นชอบเพิ่มมากขึ้น

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  99. เกมที่ทำเงินได้ไวจำเป็นต้องยกให้บาคาร่าเลยนะครับ แต่ละเกมใช้เวลาน้อยผู้คนจำนวนมากก็เลยเลือกให้เป็นอุปกรณ์ทำเงินเพราะนอกจากทำเงินไวยังคงใช้ทุนน้อยด้วยด้วย เว็บพนันก็เลยตามใจสมาชิกโดยรวมบาคาร่าทุกค่อยมาไว้ให้เล่นได้แบบจุใจไม่น่าเบื่อเลยนะครับ

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  114. เกมสล็อตออนไลน์ถือได้ว่าเกมยอดนิยมที่คนอีกจำนวนไม่น้อยตกหลุมรักเลยครับ เนื่องจากว่าเป็นเกมที่เล่นง่ายไม่สลับซับซ้อนรวมทั้งที่สำคัญเป็นได้เงินไวดีไม่ดีรวยโดยไม่ทันรู้ตัวเลยครับ ยิ่ง คาสิโนออนไลน์ ได้เพิ่มโบนัสและก็แจ็คพอตเข้าไปยิ่งทำให้รางวัลแตกได้ไม่ยากเป็นการเพิ่มอัตราให้สมาชิกได้ร่วมลุ้นกันครับผม

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  117. ปรารถนาดูบอลสด อยากได้แทงบอลออนไลน์ต้องที่ แทงบอลออนไลน์ เลยครับ สมัครง่าย เล่นง่าย ระบบเยี่ยม ที่สำคัญที่สุดเล่นแล้วได้เงินจริง ทำเงินได้จริง ในเว็บมีบริการเกมหลายชิ้น อีกทั้งบาคาร่า สล็อต ยิงปลา อย่างกับยกคาสิโนมาเอาไว้ภายในเว็บเลยจ๊าครับผม

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  118. การพนันออนไลน์ เว็บคาสิโนออนไลน์ที่เรียกได้ว่าไม่ว่าคุณจะต้องการเกมออนไลน์เกมไหน การพนันออนไลน์ มีให้ทั้งหมดไม่ว่าจะเป็นสล็อต บาคาร่า แทงบอล ยิงปลา หวยออนไลน์ การพนันออนไลน์ ได้รวบรวมไว้อย่างครบครันพร้อมระบบฝากถอนอัตโนมัติแบบไม่ต้องผ่านตัวแทนใดๆ ยิ่งทำให้มั่นใจได้ว่าปลอดภัยแน่นอนครับ

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  119. สล็อตออนไลน์นาทีนี้คงไม่มีใครไม่รุ้จักแล้วครับ เรียกได้ว่ารู้จักกันทั้งวงการจุดเด่นอยู่ที่ภาพสวยเอฟเฟ็คแน่นสร้างความตื่นตาตื่นใจได้ตลอดเวลา ยิ่ง การพนันออนไลน์ เค้ามีการจัดโปรโมชั่นที่หลากหลายทั้งโบนัสเล็ก โบนัสใหญ่ ตามด้วยแจ็คพอตที่ขึ้นชื่อว่าแตกง่ายถูกใจสมาชิกกันสุดๆ

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  120. ต้องการมีรายได้แต่ว่าไม่ต้องการที่จะอยากเดินทางไปไหน ปรารถนามีรายได้แต่ว่าไม่อยากลงทุนเยอะแยะ ด้วยความที่ยุคนี้เป็นยุคที่ใครๆก็จำต้องเซพตนเอง คาสิโนออนไลน์ ก็เลยได้เก็บรวบรวมเกมออนไลน์ไว้ล้นหลามเพื่อคุณได้ทำเงินสร้างรายได้แบบง่ายๆทั้งบาคาร่า แทงบอล สล็อต

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  121. ยุคนี้ต้องยกให้บาคาร่าออนไลน์ซึ่งถือว่าเป็นเกมที่โดนใจแฟนพนันจริงๆครับ เพราะเล่นง่ายได้เงินไว บาคาร่า เว็บบาคาร่าออนไลน์ที่มีทั้งแทงบอล สล็อต ยิงปลาและอีกหลายเกมให้เลือกไม่เพียงเท่านั้นยังใช้ระบบฝากถอนอัตโนมัติอีกด้วย ทั้งสะดวกรวดเร็วเอาใจคนยุคนี้สุดๆ ครับ

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  127. บาคาร่า คาสิโนออนไลน์ที่ถูกกล่าวถึงมากที่สุดในตอนนี้เพราะเป็นเว็บที่ได้รับความนิยมสูงสุด มีเกมให้เล่นหลากหลาย จ่ายจริง จ่ายเต็ม แบบไม่มีกั๊ก สมัครง่าย ใช้ระบบฝากถอนอัตโนมัติ ไม่เพียงเท่านั้นยังมีทีมงานดูแลตลอด 24 ชั่วโมง

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  128. แทงบอลออนไลน์ เว็บพนันออนไลน์ที่ได้รวบรวมเกมพนันไว้มากมายทุกเกมที่นักพนันต้องการมีทั้งสล็อต บาคาร่า แทงบอล ยิงปลาและเกมอื่นๆอีกมากมาย เรียกได้ว่าเป็นเว็บไซต์ที่มีครบทุกเกมที่ท่านต้องการเลยทีเดียว ฝาก-ถอน ไม่มีขั้นต่ำสามารถทำธุรกรรมด้านการเงินได้ด้วยตนเอง ทั้งสะดวกรวดเร็วและปลอดภัย

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  129. เกมบาคาร่าออนไลน์ถือเป็นหนึ่งเกมที่ได้รับความนิยมสูงมากเนื่องจากเป็นเกมที่เล่นง่าย เข้าใจง่ายไม่ซับซ้อนจึงเป็นหนึ่งเหตุผลที่ขึ้นแท่นเป็นเกมยอดฮิตที่สามารถทำเงินให้เหล่าบรรดาสมาชิกในยุคนี้ไม่น้อยเลยก็ว่าได้ เว็บพนัน จึงได้รวบรวมเกมบาคาร่าไว้ให้ท่านอย่างครบครัน

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  131. หาปรารถนาสร้างเงินสร้างรายได้ ปัจจุบันนี้ถือเป็นเรื่องง่ายๆเลยครับ แค่เพียงยกมือถือขึ้นมาก็สามารถหารายได้ได้แล้วเพียงเข้ามาที่ การพนันออนไลน์ แล้วสมัครสมาชิกจากนั้นคุณก็สามารถ พนันบอลออนไลน์กับเราได้ทันทีไม่ว่าจะบอลสเต็ป บอลคนเดียว บอลสด เรามีบริการทุกแบบที่คุณต้องการ

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