Why mental and physical insurance is important in an insurance policy, keep in mind 5 features before buying


A comprehensive health insurance policy is very useful for covering both physical and mental illnesses. Here are some important things to consider before buying a policy

In recent years, people have become very attentive to their health. The corona pandemic has caused chaos around the world. During this, a large number of people fell under the power of physical ailments, and many people also suffered mentally. The symptoms are visible when you are physically sick, but most of the time when you are struggling mentally the symptoms are not visible, in that situation people don’t notice them. Or those who are struggling with this problem are ignoring it themselves.

In such a situation, it is necessary to be on the alert in both cases. Take the necessary steps to prevent mental health problems. Our mental health is affected by many factors. Although we can’t keep ourselves out of all the trouble, by incorporating some important routines into our daily routine, we can definitely avoid mental health problems. To do this, mental health problems can be avoided by getting enough sleep, eating a balanced diet, being physically healthy and active, being with family and friends, and doing good deeds in accordance with your happiness. In addition, we must work to build a supportive society that is knowledgeable and has the right knowledge about mental wellbeing. It also makes the process of dealing with mental illness less stressful.

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Unfortunately, in many cases mental health problems are influenced by unfounded beliefs and costly medical care. A comprehensive health insurance policy helps the insured protect against the costs incurred in both cases. This policy ensures the financial security of the insured person.

If you’re thinking about buying a health insurance policy, here are a few reasons to consider health insurance that covers both physical and mental illness.

1. Having the right doctor for mental health problems.

Mental health problems may require therapy, medical counseling, or long-term treatment. Therapy, medical advice and treatment can go on for months or even years in poor mental health. In such a situation, depending on the seriousness and seriousness of the mental health problem, the medical costs per patient can range from Rs 800 to Rs 4,000 for each treatment. In addition, the patient may require one or more medical consultations each week. Finding a good doctor in such a situation is not an easy task. Treating mental health problems takes a long time and patience. In such a situation, before taking out a comprehensive health insurance policy, you should seek the advice of a professional related to the insurance industry.

It is also possible to purchase an appropriate health insurance policy to pay for medical consultations online or offline. Thanks to this, the insured person gets rid of the additional financial burden without unnecessary trouble, and the insured person receives assistance when he needs treatment. The cost of treating mental health problems can be high and can also affect your monthly expenses and financial goals.

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2. Expensive medical expenses exemption

In addition to the cost of treating ill-health, a major issue that insureds should also consider is the persistently costly medical facilities. In recent years, the corona epidemic has exacerbated financial problems, which have also increased inflation. This pandemic has not only affected the healthcare sector greatly. You can get rid of rising inflation by purchasing a comprehensive health insurance policy that covers poor mental health. The increase in the cost of treatment does not matter after purchasing the coverage of the appropriate insurance policy. This insurance policy is useful for providing financial assistance to patients with poor mental health when they need it.

3. Ability to conduct preventive tests

Ignoring mental health triggers is one of the biggest problems of today. In such a situation, within the framework of the comprehensive health insurance policy, the insured person gets the opportunity to undergo medical examinations from time to time. To improve the insured, the insurance policy provides the opportunity to carry out various health checks, such as an annual expert health assessment, stress and happiness index assessment, well-being-related content, and some activities. This identifies the triggers that caused the insured to suffer a mental illness. Preventive tests help get rid of the disease as quickly as possible. In such a situation, treatment at an early stage and at the right time is necessary. The financial burden is much higher when the disease is detected at later stages. A preventive test proves to be very important to avoid them.

4. Physical health coverage

In addition to mental health issues, a comprehensive health insurance policy should cover the treatment of diseases related to physical health. It should provide not only hospitalization, but also OPD and wellness facilities. Usually these features are not covered by a general insurance policy, but recurring problems are covered. A comprehensive health insurance policy provides pre-planned means to check the health status and keep the insured in good shape. Including health risk testing, lifestyle disease monitoring, and fitness tracking.

5. Peace of mind

It is very important to have coverage from a comprehensive health insurance policy. In fact, it will cover both physical and mental ailments for your loved ones. Along with that, it will also help to give a lot of peace of mind. You don’t have to worry about fundraising 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 physical health disorders. But people often ignore mental health problems. In such a situation, getting a comprehensive health insurance policy can be very important for your health. In addition, it turns out to be very useful for the safety of the whole family. Most insurance companies offer the possibility of a lifetime extension of the comprehensive health insurance policy. You can buy it for yourself and your loved ones.

(Article: Ruchika Malhan Varma, Marketing Director of Future Generali India Insurance)


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