Health Insurance: In the last few years, awareness about health insurance has been increasing among people. Especially during the Corona epidemic, when the cost of treatment increased rapidly, people understood the importance of health insurance. Although the insurance premium has now become higher than before, by adopting some measures, you can get excellent health coverage even at a low premium.
Get health insurance at a young age
If you want to save premiums, the sooner you take health insurance, the better it will be. With increasing age, the risk of diseases also increases, and the premium also increases accordingly. Therefore, as soon as you start earning, it would be wise to take health insurance.
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A discount is available for maintaining fitness
Nowadays, many health insurance companies also give discounts on fitness. If you use step counting apps and walk or exercise regularly, you can get up to a 30% discount on the base premium.
Take advantage of the plan switch-off facility
If you travel abroad a lot, then the “switch off” feature can be useful for you. Under this, you can temporarily close your policy and avail a discount on the premium while activating it again.
Take a super top-up plan
If you already have a health insurance policy, then instead of taking another policy, choose a super top-up plan. This increases your existing coverage and helps in the cost of treatment, as well as the premium remains low.
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Avoid unnecessary riders
Not every rider (additional coverage) is necessary. Adding an extra rider without thinking can increase the premium. Therefore, choose a rider according to your needs only after consulting a financial advisor.
Take advantage of the loyalty discount
If you regularly renew your health policy every year, then the insurance company can start giving a loyalty discount on premiums from the fourth year onwards, which continues to be available throughout life.