तुमच्या वेतनाच्या किती टक्के हेल्थ इन्श्युरन्समध्ये गुंतवणूक करावी?

Investment planning helps you drive your financial goals. But not all financial goals can be attained with the right investment avenues but instead, you need to prepare for pitfalls and setbacks. They can be in the form of unexpected expenditures that are simply unavoidable, for instance a medical exigency. These expenses cannot be put-off, and having your hands deeply invested in meeting financial goals leave no room for such expenses.

For that reason, हेल्थ इन्श्युरन्स is something that forms an integral part of your investment plan. As critical it is to choose the right investment avenue, it is essential to plan for such health contingencies too. With the right health insurance cover, not only treatment costs can be mitigated, but also the mental stress associated with it. While medical science has increased the life expectancy but changing lifestyle has resulted in more and more people to rely on medical assistance for various ailments. Coupled with it, the soaring medical inflation makes it difficult to manage such expenses from your hard-earned savings.

The main purpose of a health insurance cover is to provide a backup in times of emergencies and avoid any liquidation of your investments. So, answering the question, how much part of your income should you invest in a health policy, isn’t straightforward. However, leading financial experts recommend investing about two percent to five percent of your monthly income towards हेल्थ इन्श्युरन्स कव्हरेज. For instance, if you monthly income is about ?80,000 per month, the health insurance premiums must ideally be in the range of ?1,600 to ?5,000. But this figure is not set in stone. It can vary based on your estimate of future health insurance coverage. If you are someone who has started just out, a basic health insurance plan like the आरोग्य संजीवनी पॉलिसी सुलभ असू शकतात. ही पॉलिसी परवडणाऱ्या प्रीमियममध्ये विविध आजारांसाठी सर्वसमावेशक कव्हरेज देत असल्याने, ते विशेषत: नवीन खरेदीदारांसाठी उपयुक्त होऊ शकते. कव्हरेजची रक्कम वय, पूर्व-विद्यमान स्थिती, वैद्यकीय इतिहास इत्यादींसारख्या विविध घटकांवर अवलंबून असते. त्याशिवाय, तुमच्या आयुष्याचा टप्पा, निवास शहर, नोकरीचे स्वरूप आणि बरेच काही घटक लक्षात ठेवण्यासारखे आहेत. तसेच, प्रीमियम हा एकमेव घटक नाही ज्यावर आधारित तुमचा निर्णय असणे आवश्यक आहे. वर सूचीबद्ध केल्याप्रमाणे अनेक घटक आहेत ज्यावर तुम्हाला किती हेल्थ इन्श्युरन्स कव्हरची आवश्यकता असेल हे निर्धारित करतात. अशा पॉलिसीसाठी प्लॅनिंग करणे भविष्यातील उपचारांच्या खर्चाचा अंदाज लावणे आवश्यक आहे आणि सध्याच्या पातळीवर नाही. हे तुमच्या हेल्थ इन्श्युरन्स कव्हरेजला भविष्यात पुरावा देण्यास मदत करते. पॉलिसीमध्ये कोणत्याही तुलनेसाठी हेल्थ इन्श्युरन्स प्रीमियम कॅल्क्युलेटर can help to determine what shall suit you the best based on your coverage requirement.

A few other ways that can help you save on premium are to assess your requirement at the start. This gives a clear picture of what your health insurance must cover and accordingly help to look for a policy that offers such protection. Next, you need to make a budget based on the above parameters so that your health insurance does not seem like a burden, but in fact play the supporting role in your investment journey. This can be facilitated by comparing the various policies available online as well as offline. These are some nifty ways to avail a health insurance policy within a good budget. The primary purpose of a health insurance policy is to support you in times of financial needs during medical emergencies and avoid any deviation from your financial goals.  

* स्टँडर्ड अटी लागू इन्श्युरन्स हा आग्रहाचा विषय आहे. लाभ, अपवाद, मर्यादा, अटी व शर्तींबद्दल अधिक तपशिलांसाठी, कृपया खरेदी करण्यापूर्वी सेल्स माहितीपुस्तिका/ पॉलिसी मजकूर काळजीपूर्वक वाचा.