Make a Resolution for Complete Health Security
The start of a new year often brings resolutions, from long-pending goals to new passions. Many aim for a healthier life, focusing on diet or fitness.
While shedding extra kilos is a common goal, it's equally vital to secure your health with something substantial and reliable. This year, make a comprehensive Health Insurance Policy your priority.
Why Health Insurance Should Be Your New Year's Resolution
The primary reason to include a health insurance plan for yourself or your family in your New Year's resolutions is the renewed enthusiasm at the year's start. This is the perfect time to act on long-pending decisions like buying health insurance, ensuring your health is safeguarded when it matters most.
Peace of Mind
Secondly, health insurance offers peace of mind. Knowing you and your loved ones are covered provides reliable support during any health crisis. It allows you to enjoy life without financial worries during unexpected medical needs, covering:
- Hospitalization (in-patient and out-patient)
- Doctor's fees
- Diagnostic expenses
- Other treatment-related costs
Interconnection with a Healthy Lifestyle
Health insurance and a healthy lifestyle are interconnected. Insurance companies often encourage healthy living, which leads to fewer health crises. Many health insurance providers offer unique reward programs, such as renewal discounts, for policyholders who adopt healthy regimes like exercising or walking 10,000 steps daily. Conversely, stringent rules can make it challenging for physically unfit individuals to secure a policy, with applications potentially being rejected or put on hold. Therefore, supplementing your health insurance plan with healthy practices is always beneficial.
Tax Benefits
Health insurance also offers significant tax benefits. At the start of the year, salaried individuals declare their savings for the upcoming financial year, and health insurance is a key component. Under Section 80D of the Income Tax Act, you can claim a deduction of up to INR 25,000 annually on premiums paid. This limit increases to INR 50,000 if you pay premiums for parents aged 60 or above. Purchasing health insurance early in the year ensures you can claim tax benefits for the current financial year and have coverage for any health emergencies.
Conclusion
While healthy living is essential, a strong backup is crucial to safeguard your health. Pledge to secure your well-being with the complete shield of healthy practices and comprehensive health insurance.
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