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Mediclaim an alternative of investment

     Advantages of taking Mediclaim, also is it a real alternative of investment???

     Is Mediclaim worth to buy 1 say no yaar its waste of money. I have answer to them please go through the blog and decide by yourself whether you should buy mediclaim or not.

     Let's take for an example 1 is paying an amount of rupees 75000 for getting cure of heart attack in hospital. Taking out 75000 at a time would be e difficult for the middle class people, but considering the case one has mediclaim of say 200000 rupees for which hi he is paying and amount of 10000 annual, so take an example if he would have taken the policy and got admited in hospital the cost would have been beared by Mediclaim company.

     This way we can save small small amount and get the cure of the illness. So now say expending 75000 is good or taking policy and spending 10000 annually is good. The amount i show is adhock but in real we get medicalaim policy at cheaper rate which can be affordable by everyone. So if one dont want that their savings get affected due to medical expenses we should think of getting Mediclaim policy.

     1 would again counter what if 1 don't get ill my money will be wasted, no bro in today's life everyone is surrounded by the illness only due to this stressful and unhealthy lifestyle. One need to spend money on medical expenses even 1 in the life. And that one instance can change many things.

     Also now a days we are getting family floater which covers every member of family, so any one out of family gets ill the company will pay the amount, so this also answer the questions.

     Now we come to point which policy to take and from where.

     First i will answer 2nd questions, we can take policy from any where say from agents or from company, now a day they offer online issuance of policy so one can take benefit of same. Now comes to 1st questions which policy, its a subjective questions, one will say go for individual plan, one may say go for family floater, one may say take it from private company and one may say from government company. 

     So not to think so much we can take any policy considering our requirements and comparing the services provided by them. Private company charges more but provide extra services like annual heath check up, no claim bonus etc whereas government company provides such type of extra facility. So if one need to cover the basic need of medical expenses can go with government company. Another thing to check is the claim settlement ratios which means out of 100 how many people has got their money, the company with higher ratios can be the pick point if premium and other services are as per our requirement.

     So please consider the point above and if you think its useful than go and get your Self a Mediclaim policy.

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