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Health Insurance : Why mental and physical coverage is important in insurance policy, keep these 5 things in mind before buying

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insurance policy : Why mental and physical coverage is important in insurance policy, keep these 5 things in mind before buying

Comprehensive health insurance policy is very helpful for coverage of both physical and mental ailments. Here are the important things to consider before buying a policy

In recent years, people have become very conscious about their health. The Corona epidemic caused havoc all over the world. During this, a large number of people came under the grip of physical ailments, as well as many people suffered mentally. Symptoms are visible when one is physically ill, but in most of the cases of mental illness, symptoms are not visible, in such a situation, the attention of the people does not go away. Or those who are struggling with this problem, they themselves ignore it.
In such a situation, it is necessary that we should be alert in both the cases. Take necessary action to prevent problems related to mental health. There are many factors affecting our mental health. Although we cannot save ourselves from all problems, but by including some important routines in our daily routine, we can definitely avoid problems related to mental health. For this, problems related to mental health can be avoided by getting enough sleep on time, balanced diet, being physically fit and active, living among family and friends and doing good work for your happiness. Also, we should work towards shaping a supportive society which is well aware with proper knowledge about mental wellness. This further makes the process of dealing with mental illness less strenuous.
Unfortunately, in many cases, mental health problems are fueled by unfounded beliefs and expensive healthcare facilities. Comprehensive health insurance policy proves helpful to the insured in protecting against the expenses incurred in both the cases. This policy provides financial security to the insured.
If you are thinking of buying a health insurance policy, here are some reasons to consider health insurance that covers both physical and mental health ailments.
1. Availability of suitable doctor during problems related to mental health
Problems related to mental health may require therapy, medical counseling or long-term treatment. Therapy, medical counseling and treatment can go on for months and years during poor mental health. In such a situation, depending on the problem related to mental health and its severity, medical expenses can be incurred between Rs. 800 to Rs. 4,000 for each treatment of the patient. Apart from this, the patient may need one or more medical counseling every week. In such a situation, finding a good doctor is a challenging task. Problems related to mental health require long time and patience for treatment. In such a situation, before taking a comprehensive health insurance policy, you should take the advice of a professional related to the insurance field.
Appropriate health insurance policy can be purchased to pay the cost of online or offline medical counseling as well. Due to which the insured gets rid of the additional financial burden without any hassle and gets help when medical treatment is needed. The cost of treatment for mental health issues can be high and can affect your monthly expenses and financial goals.
2. Relief from increasingly expensive medical expenses
Apart from the treatment cost of poor mental health, the ever-expensive medical care is also a serious problem that the insured should think about. In recent years, the Corona epidemic has increased the financial challenges, due to which inflation has also increased. This epidemic has affected the health sector a lot. One can get relief from rising inflation by buying a comprehensive health insurance policy that covers ill mental health. The increase in treatment cost does not matter once the cover of the relevant insurance policy is purchased. This insurance policy is helpful in providing financial assistance to the patients of poor mental health in need.
3. Facility to provide preventive test
Ignoring mental health triggers is one of the biggest problems in today’s time. In such a situation, under a comprehensive health insurance policy, the insured gets the facility of getting health checkups done from time to time. For the betterment of the insured, the insurance policy provides facilities for various health check-ups like Annual Expert Wellness Assessment, Stress and Happiness Index Score, wellness related content, some events etc. At the same time, the triggers that led to mental illness of the insured are identified in time. Preventive tests help in getting rid of the disease at the earliest. In this case, treatment at the initial stage and at the right time is necessary. The financial burden is huge if the disease is detected at a later stage. Preventive test proves to be very important to avoid them.
4. Covering physical health issues 
Apart from mental health issues, a comprehensive health insurance policy should also cover the treatment of physical health ailments. In this, not only hospitalization but OPD and wellness facilities should also be provided. These features are generally not covered under a general insurance policy, but recurring issues are covered. In a comprehensive health insurance policy, facilities are provided in advance to find out the health condition and to keep the insured fit. Which includes health risk assessment tests, lifestyle disease monitoring and fitness tracking.
5. Mental peace
It is very important to have the cover of a comprehensive health insurance policy. In fact it will cover both physical and mental ailments for your loved ones. Along with this, it will also help in giving a lot of mental peace. In case of a medical emergency, you do not have to worry about raising funds.
To stay completely healthy and fit, it is important to pay attention to your mental and physical health. It is easy to recognize disturbances in physical health. But people often ignore the disturbances in mental health. In such a situation, taking a comprehensive health insurance policy can prove to be very important for your health. Apart from this, it proves to be very helpful for the safety of the whole family. Most of the insurance companies offer lifetime renewal facility to the comprehensive health insurance policy. You can buy this for yourself and your dear ones.

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