Health Insurance

Now a day health insurance is an expensive necessity because medical expenses rising high due to incredible inflation of prices of every things. You buy health insurance to protect yourself financially against unexpected expenditures in case of serious health problems and to get peace of mind.
Two types of health insurance are available i.e. indemnity plans and managed care plans. An indemnity plan allows you to choose your own doctors and pays for your medical expenses totally or up to a specified amount per day for a specified number of days. Managed care plans generally provide broader coverage, but they all involve an arrangement between the insurer and a selected network of health-care providers (doctors, hospitals, etc.). This arrangement provides a strong incentive for you to stay in-network, usually by covering less for services received outside the network.
A good health insurance policy contains several types of coverage i.e. Hospital expense coverage pays your room, board, and incidental services costs if you're hospitalized while Surgical expense coverage pays surgeons' fees and other expenses associated with surgery. Physicians' expense coverage pay for visits to a doctor's office or for a doctor's hospital visits and lab coverage provides for laboratory services like X-Rays and other diagnostic lab tests.
Before buying health insurance, make sure that the policy which you want to buy provides some other benefits such as Prescription drugs, Preventive care, Mental health facilities Maternity care, Vision care, Dental care etc.
You should buy health insurance policy from a well reputed insurance company which provides more benefits at low premium.