{"id":2945,"date":"2023-04-07T23:45:41","date_gmt":"2023-04-07T18:15:41","guid":{"rendered":"https:\/\/aayushbhaskar.com\/?p=2945"},"modified":"2023-05-13T12:46:25","modified_gmt":"2023-05-13T07:16:25","slug":"top-low-income-health-insurance","status":"publish","type":"post","link":"https:\/\/aayushbhaskar.com\/top-low-income-health-insurance\/","title":{"rendered":"Top 15 Low Income Health Insurance in India","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

The world has changed in 2020 in terms of health, immunity, and keeping safe. And we are yet again reminded of the importance of health insurance.<\/p>\n

When it comes to insurance, a good percentage of people in India have life insurance. Why life insurance sells is probably because we want to think about some relief to the family in the event of our untimely demise.<\/p>\n

Life insurance also works as an asset. After a fixed term, we get back the principal amount plus all premiums paid along with an interest margin.<\/p>\n

However, the same is not applicable to health insurance. Health insurance ensures you or safeguards you against costs incurred for health-related complications that need you to be admitted to a hospital or a similar medical facility. A health insurance plan does not offer back the sum it took as the principal amount and the premium amounts.<\/p>\n

Always remember, health insurance is also an investment. You’ll always get the tax deductions of up to RS. 25000 premium.<\/p>\n

For most developing countries, or countries where there is a high disparity in per capita incomes, health insurance is a luxury. Forget the poor – most middle class and upper-middle-class people do not own health insurance here.<\/p>\n

Indian Women and Health Insurance<\/span><\/h2>\n

Women fare far worse than men when it comes to buying health insurance. From a very personal perspective, I thought of health insurance only when I had my baby. I wanted to be insured against probable threats to my life because I wanted to be there to see my baby grow up.<\/p>\n

While that may sound selfless\u00a0 & motherly to most people, I can tell you that it is a downright foolish assumption to think that health insurance is not for you until you have a heavier responsibility on your shoulders, like that of caring for your children or aged parents.<\/p>\n

It is also ironic how we think of life insurance helping our families after our departure when we can, instead, secure our health better. A lot of people without insurance die premature deaths in hospitals out of the stress of paying hospital bills.<\/p>\n

So health insurance also brings about a sense of relief. Knowing that you are better insured against illness-borne expenses is assuring and comforting.<\/p>\n

But all said, the cost of owning health insurance matters. With rising expenses, the one person we often neglect is ourselves. That makes most of us completely discard the idea of health insurance.<\/p>\n

Thankfully, most government organizations in India have their employees and their immediate family covered under health insurance plans. A lot of privately-owned businesses too provide health insurance benefits to their employees and their immediate family (parents, child, spouse).<\/p>\n

However, the number of people who do not own health insurance far outnumbers the number of people who do. This post is aimed at those numerous fellows who can afford health insurance but don\u2019t yet because of numerous reasons, including cost.<\/p>\n

Points to Consider when buying Health Insurance<\/span><\/h2>\n

Before we move on to the top 15 low-income health insurance available in India, let us quickly check the points we need to keep in mind while choosing health insurance :<\/p>\n