{"id":790,"date":"2024-03-15T00:16:52","date_gmt":"2024-03-15T05:46:52","guid":{"rendered":"https:\/\/www.coveryou.in\/blog\/?p=790"},"modified":"2024-03-15T00:16:52","modified_gmt":"2024-03-15T05:46:52","slug":"top-10-common-myths-about-health-insurance","status":"publish","type":"post","link":"https:\/\/www.coveryou.in\/blog\/top-10-common-myths-about-health-insurance\/","title":{"rendered":"Top 10 Common Myths About Health Insurance"},"content":{"rendered":"

\u201cHealth is like money; we never have a true idea of its value until we lack it.\u201d This quote says it all. In today’s world, when everything is judged by price, we often take health for granted. Even though a good lifestyle can increase our longevity, having reliable <\/span>Health Insurance<\/b><\/a> is always a great idea.\u00a0<\/span><\/p>\n

But for the most part, the term <\/span>health insurance policy can be a bit confusing. While searching for them, people often fall into the clasp of myths, leading to financial difficulties.<\/span><\/p>\n

In this blog, we will debunk the myths regarding health insurance.<\/span><\/p>\n

Myth #1: Health Insurance Is For the Senior Citizens<\/strong><\/h2>\n

This one is the most commonly believed myth regarding <\/span>health insurance policies, and we mostly see the more significant sales for <\/span>health insurance for senior citizens<\/b>. But in reality, one should always purchase insurance when they are healthiest. Some <\/span>top health insurance plans<\/b> often cover pre-existing yet undiscovered diseases of an insurance holder only if the person holds the insurance policy for at least 48 months. Moreover, accidents may happen at any point in time. Having health insurance protects from sudden financial burdens.<\/span><\/p>\n

Myth #2: The Cheaper, The Better<\/strong><\/h2>\n

Another misconception while searching for the <\/span>best health insurance plans is why waste money on pricier plans. But no one knows what the future may hold. It is wise to go for higher coverage to avoid the sudden burden of unnecessary ailments or accidents, as the updated policies come with better options with more extensive coverage and benefits.\u00a0<\/span><\/p>\n

Myth #3: Employer\u2019s medical coverage is all I need<\/strong><\/h2>\n

An employer\u2019s medical coverage certainly helps, but it would be disastrous to depend solely upon it. Usually, an employer-sponsored <\/span>health insurance plan<\/b> is the cost-sharing between the employer and the employee. It means you won\u2019t get the benefit once you change the job or the employer suddenly changes the policy terms. An additional insurance plan provides flexibility. You can avail the benefits regardless of your professional endeavours.\u00a0<\/span><\/p>\n

Myth #4: 24-hour Hospitalisation is mandatory<\/strong><\/h2>\n

Nowadays, many surgeries or procedures, such as cataract surgeries, dental treatments, etc, take less than 1 or 2 hours, and 24-hour hospitalisation is unnecessary. In these cases, one can easily avail the claim. Not only that, many insurance policies cover the surgery’s before and after expenses.\u00a0<\/span><\/p>\n

Myth #5: Maternity benefits aren\u2019t covered<\/strong><\/h2>\n

A few years ago, it was still an issue with most of India’s<\/span> best health insurance policies.<\/b> Today most insurance policies cover the maternity claim under specific terms like covering the only first pregnancy or waiting for 2 to 3 years for the claim after the first premium. Reading minutely through the terms and conditions will help to choose the perfect policy that covers maternity claims.<\/span><\/p>\n

Myth #6: One Family One Insurance<\/strong><\/h2>\n

This myth suggests that a single health insurance policy is sufficient to cover the entire family’s healthcare needs. However, the reality is different. As each individual in a family has different health concerns, needs, and medical histories, one should not rely on a single policy as it may lead to gaps in coverage, leaving some family members without adequate protection.\u00a0<\/span><\/p>\n

Myth #7: One Should Not Purchase Policy Online<\/strong><\/h2>\n

When a health<\/span> insurance plan<\/b> is directly purchased by an individual online<\/span>,<\/b> the insurers save a significant amount of the commission given to the agents. That\u2019s why the policies bought online have less premium than when an agent is involved. What is required while purchasing the policies online is to read the terms and conditions carefully.<\/span><\/p>\n

Myth #8: Health Insurance Will Cover Every Ailment<\/strong><\/h2>\n

People who opt for health insurance often think that Plan will cover every ailment or every medical expense. While they cover most of the expenses, there are deductibles and copayments that one has to bear. Keeping this in mind will help one to mind their costs and savings.\u00a0<\/span><\/p>\n

Myth #9: Insurance is for cashless facility<\/strong><\/h2>\n

Another common misconception is that insurance means cashless coverage for all medical worries. But to avail cashless claims one must go through the hospital names registered with the insurance provider’s opted insurance policy. If not, cashless is not the answer. One can go for reimbursement in those cases with proper documents.<\/span><\/p>\n

Myth #10: Once Bought, No Need To be Updated With The Terms<\/strong><\/h2>\n

Many health insurance buyers think once the insurance is bought the terms and conditions stay the same – the misconception that later on becomes a problem with the buyers. One must always stay updated with the policy terms every six months to avoid issues regarding the claim when needed.<\/span><\/p>\n

Conclusion<\/strong><\/h3>\n

In today’s world, when everything comes at a hefty expense, health insurance alleviates the stress and additional financial burden incurred due to illness and injury. Knowing these common myths can not only help you to navigate the expenditures, it also allow you to live your life fully. Read the terms and conditions of your chosen policy, and don\u2019t forget to use the health insurance calculator to know the best insurance plans for you and your family.\u00a0\u00a0<\/span><\/p>\n

If you plan to opt for a comprehensive policy, Specially Health Insurance for Doctors<\/strong> try out CoverYou, one of the leading IRDAI-registered insurance brokers in India. Here are the points that keep us up the ladder among our competitors.\u00a0<\/span><\/p>\n

    \n
  • We have an in-house claim settlement team who promptly assists you when needed.\u00a0<\/span><\/li>\n
  • Our policies can be used worldwide.\u00a0<\/span><\/li>\n
  • \u00a0Our services are promptly available 24\/7.<\/span><\/li>\n
  • We offer health insurance to over 1.5 lakh doctors, with a track record of successful coverage.<\/span><\/li>\n
  • You can opt for your claim anytime, as our services are available around the clock.\u00a0<\/span><\/li>\n<\/ul>\n

    For further assistance, contact our customer support team at your convenience. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    \u201cHealth is like money; we never have a true idea of its value until we lack it.\u201d This quote says it all. In today’s world, when everything is judged by price, we often take health for granted. Even though a good lifestyle can increase our longevity, having reliable Health Insurance is always a great idea.\u00a0 […]<\/p>\n","protected":false},"author":1,"featured_media":791,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[125,126,127,123],"yoast_head":"\nTop 10 Common Myths About Health Insurance<\/title>\n<meta name=\"description\" content=\"Even though a good lifestyle can increase our longevity, having reliable health insurance is always a great idea.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.coveryou.in\/blog\/top-10-common-myths-about-health-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Top 10 Common Myths About Health Insurance\" \/>\n<meta property=\"og:description\" content=\"Even though a good lifestyle can increase our longevity, having reliable health insurance is always a great idea.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.coveryou.in\/blog\/top-10-common-myths-about-health-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Professional Indemnity Insurance\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/coveryouindia\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-15T05:46:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.coveryou.in\/blog\/wp-content\/uploads\/2024\/03\/Common-Myths-About-Health-Insurance-Creative.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1140\" \/>\n\t<meta property=\"og:image:height\" content=\"760\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"coveryouadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/coveryouindia\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"coveryouadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.coveryou.in\/blog\/top-10-common-myths-about-health-insurance\/\",\"url\":\"https:\/\/www.coveryou.in\/blog\/top-10-common-myths-about-health-insurance\/\",\"name\":\"Top 10 Common Myths About Health Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/www.coveryou.in\/blog\/#website\"},\"datePublished\":\"2024-03-15T05:46:52+00:00\",\"dateModified\":\"2024-03-15T05:46:52+00:00\",\"author\":{\"@id\":\"https:\/\/www.coveryou.in\/blog\/#\/schema\/person\/0d9fee700f10c7757f60810ae6e92422\"},\"description\":\"Even though a good lifestyle can increase our longevity, having reliable health insurance is always a great idea.\u00a0\",\"breadcrumb\":{\"@id\":\"https:\/\/www.coveryou.in\/blog\/top-10-common-myths-about-health-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.coveryou.in\/blog\/top-10-common-myths-about-health-insurance\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.coveryou.in\/blog\/top-10-common-myths-about-health-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.coveryou.in\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Top 10 Common Myths About Health Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.coveryou.in\/blog\/#website\",\"url\":\"https:\/\/www.coveryou.in\/blog\/\",\"name\":\"Professional Indemnity Insurance\",\"description\":\"CoverYou\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.coveryou.in\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.coveryou.in\/blog\/#\/schema\/person\/0d9fee700f10c7757f60810ae6e92422\",\"name\":\"coveryouadmin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.coveryou.in\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/da9a020db352dd2408884891cfdb9d3d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/da9a020db352dd2408884891cfdb9d3d?s=96&d=mm&r=g\",\"caption\":\"coveryouadmin\"},\"description\":\"Professional Indemnity- Our expertise lies in safeguarding the interest & reputation of our esteemed Medical Fraternity with our revolutionary product- Doctors Professional Indemnity Insurance. 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