Health Insurance Diwali Gift


Why Health Insurance Is The Best Gift This Diwali

21st October 2022 8min read 455 views

Diwali is a time to celebrate with our loved ones. Families decorate their homes, wear new clothes, exchange gifts and gorge on sweets. Often, the festive season leaves us feeling a bit heavier than we’d like and throws our fitness regimes out the window. Keep your festivities healthy this year by gifting your family health insurance.

Why Should You Gift a Health Insurance Policy to Your Loved Ones?

A health plan makes a great Diwali gift as it provides your family with financial security. Medical insurance plans help settle hospital bills without burning a hole in your pocket. You can purchase individual health insurance plans for each family member or a family floater policy to cover everybody with one sum assured. Instead of sweets, dry fruits or clothes, opt for medical insurance and give your loved ones a life-long gift.

Dangers to Watch for During Diwali

We all enjoy the celebrations that come with Diwali and the festive season. However, there are a few dangers to watch out for during this time. Your health policy will help you deal with:

Rogue Firecrackers

Diwali is synonymous with firecrackers. Everybody enjoys lighting crackers and watching the colourful explosions in the sky. Unfortunately, they can also cause injury, leading to hospital stays and high medical bills.

The Impact of Pollution

The air quality in many cities can become toxic after the festive season due to bursting crackers. Poor air quality can compound respiratory problems, especially among the young and elderly.

Sweet Temptations

It becomes almost impossible to control your diet around all the delicious sweets and snacks available during the festive season. Unfortunately, gorging on sweets and fried foods can cause health issues like heart disease or even diabetes in the future.

How to Choose the Right Insurance Plan for Your Family

You must understand your options and ask the right questions about the policy coverage if you're  buying a health insurance plan for your family this Diwali. Firstly, consider whether you need to opt for a family floater or an individual policy for each person. The former works best for nuclear families. Young couples with toddlers can benefit the most from paying a lower premium for a high sum assured that they share amongst themselves each year. Individual plans could be better if you want to cover your older parents or grandparents. Since older people are more likely to have medical emergencies and file claims, younger family members may not get the coverage required in a family floater. Evaluate your situation and each person’s health before making your decision.

You can buy health insurance online in just a few moments once you decide on the kind of policy you want for your family members. You need to enter a few details about the person you’d like to cover and pay the premium to purchase a plan. You must  renew their medical insurance plans every year to ensure your family continues to enjoy the protection you want them to have. When you renew the policy on time, you make sure your family remains protected from all kinds of uncertainties. Diwali gives us an opportunity to spend time with our loved ones. With health insurance, you can show them just how much you care!
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