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Friends, today I am going to talk about health insurance, it is very important for you to know this, if you do not know or do not understand, then you may have to face a lot of trouble in the future, I will tell you that in your home If someone falls ill or health deteriorates, if a serious illness occurs, how can you cover it? How can you get expensive treatment? You must have seen that in today’s era, whether it is a person living in a village, a person living in a small town or a person living in a big house, most of the people are wasted, so you have often seen that due to illness. It may happen that someone keeps on earning very well, has a good job, has a good business, but if any person in the house, whether it is mother, father, children, wife or himself, becomes seriously ill. Then so much money is spent in his illness, so much devastation comes that that person is completely ruined because now you will go to every good hospital, wherever the disease is treated,
Any disease, whether it is serious disease, normal disease, money is spent a lot, tests are done, medicine, consultation fee, ambulance or operation, whatever it is, it is so expensive that people can afford it. They are not able to do it and get into a lot of trouble, that’s why health insurance has been removed. All the insurance companies or even many banks, they do health insurance. Can’t understand, that’s why they don’t get it done, should you get it done or not, I will tell you in this video, I will give you all the information, I will also tell you its advantages, I will also tell you its disadvantages, if you feel like it, you can get it done, you have to spend some time in this video. You have to give some time, you have to take time and watch this whole video, if you watch it completely, you will understand everything, before that I will request you that the video you are watching has a like button below it, you must like it by clicking on it. Give any question in your mind, if you have a question, then write that topic in the comment box.
But I will try to make a video, today I have kept the topic which I told you, the topic I have kept today is what is health insurance? Is there health insurance? Why should the second one get it done? So let me tell you that what is health insurance is any insurance company between you and the insurance company, be it Bajaj Allianz, Birla Sun Life, Reliance insurance, Axis insurance, HDFC insurance Yes, whether it is ICICI insurance or SBI insurance, whether it is any bank or insurance company that gives you insurance, you take insurance, everyone has their own term condition, so health insurance is an agreement, health insurance what happens? There is an agreement, there is a contract, with whom there is a contract, there is an agreement between you and the insurance company, there is a contract, there is a contract, we do health insurance, now what is the contract, then your health contract for your health
What will be the expenditure, you get some kind of disease, you get suffering from some kind of serious disease, as you must have seen, just now Corona had brought havoc in two years 2020 and 2021, many people too Many people died due to this, but the cost of treatment was so high that people could not afford it, because of this the craze for health insurance has increased a lot, you know that very serious diseases have come, which are covered by the insurance company. It does it very easily, what you have to do is that you have to pay some amount annually, you have to pay some amount annually, let’s say we pay five thousand rupees a year, you give it to an insurance company, now this The five thousand rupees for a year is not necessary that it will cost you five thousand rupees. Accordingly, you have to pay an amount annually, the insurance company has to pay an amount annually, which is now done for the whole year, if possible, extend it further.
Otherwise, you can terminate the agreement in a year, now what happens is that you are given health insurance instead of it. You can get your wife covered, you can get your children covered, your parents or other members of the house can get her covered, that means you can take a family plan or you yourself can take a particular person’s two person, three person If you want to do four person or banana, then you can take that type of plan, then that type of plan is there, you have a contract and you can put in it, if you put the name of the winning people, then there is an insurance accordingly. Your premium will become, that much premium has to be paid in a year, now people think that this five thousand, ten thousand, fifteen thousand whatever I have paid annually, the insurance company will cover my treatment if anything happens to me, no disease has happened. I am not sick, no problem, no one in my house has serious illness, then money
Mine will sink, but let me tell you that this money is not really refundable, it covers you, if the insurance company is covering ten lakhs annually, then even if you spend up to ten lakhs in the same five ten thousand rupees, then that The company provides whether it is the cost of medicine, the cost of treatment, the cost of ambulance, consultation fee, all these facilities are provided by the insurance company, when you sell the vent, once you have done the term condition, then you will pay for all the diseases. The list is given that what covers you, then you can see that there are many diseases which cover in it, you can also ask which disease it will cover. , Which disease is insured for treatment? So by taking information you can do many plans which are not included in that plan, if you want to get health insurance for different diseases, then you can take second plan, you can take third plan also, they have many types of plans. Which covers your illness, cures your illness, makes you worry free for the whole year
Let me tell you that people stay young, very young boys think what happens by getting health insurance? I don’t have any disease right now, nothing has happened to me, if it is seen, then let me tell you brother, it does not come by saying that you are sick. 40 years old said now till age there is no decision who will die first whose disease will come first who will suffer from disease first who will get heart disease first who will get sugar disease now age is no decision now children children One also comes to know that someone got bullet cancer, someone got heart problem, someone got bullet sugar, someone got stones, someone needed some operation, someone had kidney problem. Someone gets liver problem, there is no age gap, anyone can get any disease, or I am just explaining, I am telling you an example, that’s why health insurance is not bad, health insurance is right.
If you have that much budget, this budget is not much, if you add money for your tea, gutkha, then you spend five to ten fifteen thousand rupees in a year, as much as I cover your whole year, then it would have been an agreement. Which is your complete illness expenses are taken by the insurance company, which is given a limit, whether it is ten lakhs, fifteen lakhs, twenty lakhs, five lakhs, as much as the limit you take, You have to pay less insurance premium, five thousand ten thousand fifteen thousand, which is given as an example, it has to be paid according to this and it has to be given only once in a year and whatever your expenses will be throughout the year, if you are ill, they will cover the insurance company cover. Now you will ask that the person will be admitted to the hospital, if he is treated, something has happened to someone in the family, I have taken health insurance for this, then how will the insurance company give the money, then I will tell you which hospital Bill comes, whatever the bill of the hospital comes, I told you whether that ambulance is capable, whether it is a consultation fee.
The doctor or his operation is being done, the bed is charged, the hospital is charged, the investigation is done, whatever health related expenses you are spending, they will be paid by the insurance company to you directly and whatever the bill of the hospital is, you will be directly Understand that whatever the bill of the hospital is, it has to be paid to the insurance company, which has done health insurance, pays it there itself, but now what happens to it that your mental peace and security remains? Means there is no tension in the mind that even if something happens, if something happens to someone, then you will not have much problem to get treatment, you will not have to face much problem, the balance you have saved, you have saved The property that has been kept, in the future if someone in the house has a serious illness, then you will not need to sell it, there will be no need to break it. I can get the whole thing covered, now I am telling more benefits, there is one more benefit, what is its small part? Can you also take advantage of tax in this?
Means you take health insurance for family or for yourself, take plan health insurance plan then you can claim tax exemption up to twenty five thousand in a year, you can claim up to twenty five thousand tax if you tax If you file ITR, then you can claim up to twenty five thousand rupees, you will get tax exemption, this is also a benefit for those who do it, those who do not do it, it is also a benefit for them, at least their health The insurance company takes the guarantee, what’s the use of it? That your unnecessary expenses are saved, which is a useless expense, which will be spent on diseases, it will be saved annually, which is five thousand, ten thousand or twenty, thousand or fifteen thousand, whatever premium you have taken, you can get it done every year. You can also keep regular, otherwise it will cost me to take it for one year, I want to take it for two years, you can take it for that many days, but if you keep regular, then it is very good, it does not cost more for health insurance than normal studies, if in a year If seen, it is very less, it costs you more money to see, but
It guarantees the health of your entire family throughout the year, this is a big deal, so these benefits remained, now it is a disadvantage, will ask what are the disadvantages? So according to me, there is no harm in this, the harm is that you have not got any disease, no one in your house has got any disease, no serious illness has happened, nothing has happened that you can get hospitalized, if you can go to the hospital, then you are not so refundable happens, he goes in your cover, this is the only loss, you will suffer loss, but I am not feeling this loss also, he is taking money for cover, he is taking your guarantee, while he is taking money for guarantee, because sometimes something Even if it happens to someone, he may have to pay 10 times, 20 times or 50 times more than the premium given to him. It has happened for the health of the people that the government is giving free insurance of five lakhs on this card, so let me tell you that there are people who win, be it in a village, a small town, a big city, anywhere who is BPL. card holder
Those who are below the poverty line, they were issued a health card, their list was issued separately by the government, that is the health card, which the government also covers free insurance up to five lakh rupees annually. Let me tell you that it is also a tie up with the insurance company, the insurance company is the right tie up and the government pays it, in exchange for which you get green tea up to five lakh rupees annually. Many people are taking advantage of the treatment operation, but this Only for those below the poverty line, for the BPL holder, but for the middle class family, the upper class family, it is very important to get health insurance done because these people have not been issued Ayushman card, nor will it be done, that only For those below the poverty line, I tell you that whoever has Subhan Golden Card or Ayushman Card, should he get the health card done or not, then there is no need to get it done, he gets free insurance up to five lakhs, in which Operation investigation of any kind of disease, medical consultation
Or the ambulance covers all the expenses, whether he is getting treated in a private hospital or in a government hospital, wherever he is getting it done, all the expenses are paid by deducting them, so they do not need to spend up to five lakhs. They get it for free, but those who do not have One Golden Card should get it done. Now some people will say that in which company it should be done, this question has also been raised in which company should it be done, where should it be done? So let me tell you that you can get it done anywhere you have an account in this bike, you can get it done there too or you can take insurance from any insurance company, because within IRDA, the insurance company is doing the work of winning and winning. It has been twenty twenty three, all of them provide almost the same facilities. Thank you so much for this, now it is coming for you, if you have given your question in the comment box.
If you have written then the next topic can be video made on your issue, see you in the next video which will be on your issue, I told that out of those who ask questions in the comment box, I raise questions and one by one If I make a video, then the next video can be on your issue, see you in the next video, till then thank you thank you Jai Hind
