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The expenses towards taking care of one's health have been skyrocketing with hospital expenses hitting the ceiling. In developed countries, health insurance schemes have been in vogue for several years now. But in developing countries like India, Health Insurance concept is yet to catch on. Except in metros and other urban areas, this has not been popularised. But on the other hand, hospital and other medical expenses like cost of life saving drugs have been rising uncontrollably. Even preventive health care has become highly unaffordable with the cost of diagnostic tests and scans increasing several fold.

It is in this context that the health insurance a must for everyone. Health Insurance Act has very much live with the introduction of overseas players. With competition to Hötting, insurance companies have floated several health insurance companies, with different premiums, in accordance with the age and needs. Cashless insurance is slowly catching on. Hospitals and clinics, according to overcome their initial inertia, has begun accepting patients under Cashless card systems. A large part of the problems associated with the exposure and a lot of paperwork has been reduced with the business simplyfying claim process.

Now people can the company, the scheme and the type of policy that their needs best fit. Health insurance now covers hospital stays, home treatment, cost of medications and tests, etc. Some companies have dealt with systems in which they pay the insured an integral part of money on a weekly basis, for the period of hospitalization. With the Cashless and conventional health insurance policies refund available, now the duty of the election is limited to the persons who are in for health insurance.

Apart from all these, such as social security and welfare measures, health insurance is a must. Awareness of the need for health insurance must go home to each and every citizen. With life expectancy on the rise in developing countries, the need for health insurance is a must. Without insurance, a set himself and his family at great risk of losing the entire savings and into the debt trap in the event of a critical illness striking the family.

There is no need for insurance education in the West. But in India, the ground reality is that a large majority of the teeming millions do not know that something like health insurance. This is the disease, yes, the tragedy of India. Asian countries need to Mull over this amazing fact, and by appropriate government-subsidized schemes for all its citizens, if they want to avoid a large decline in general health due to lack of affordable medical care.

PKP Iyer, Senior Editor, Excellon Technologies. Excellon Technologies Are Quality Web Design And Website Development Company From India http://www.Excellone.com