Nowadays, in urban India, diseases such as diabetes and hypertension in late thirties or early forties is considered as normal as a majority of population in that age group is known to develop these two diseases. It is estimated by the World Health Organization that by the year 2020, diabetes and other life style diseases will be responsible for as many as 7 million deaths. Those people could be right among us and don’t have a clue.

We can avoid such a situation by making plans for our health in our busy schedule. A healthy life style with recommended diets and exercise can protect us from these diseases. Another measure we can opt for is to buy health insurance policies for us and for our families. By buying health insurance in India, one would save lot of money which might be paid to hospital in case of hospitalization. On the other hand, in the recent years, the cost of health care in India has sky rocketed and now is out of the reach of common man and hence the dependence on health insurance in India has been increasing. Health insurance policies have brought in many advantages for common people in the way of saving their money paid for the huge bills of hospitals.

Today, there are many insurance companies which offer health insurance policies for low costs, which are suitable for individuals as well as for the whole family. Today, there is a lot of choice for an average consumer in the form of number of insurance companies offering number of health insurance products. As there is competition in the field so does the premium rates for most of the heath insurance policies have come down significantly. On the other hand, low cost operations of health insurance can have a devastating impact on the actual claim acceptance. It is argued that the quality of health insurance in India has decreased in the recent months because of the cost cutting. The number of diseases which are covered under health insurance policies have decreased. Thus, policy holders shall have to pay extra to avail compensation or direct payment for those diseases.

On the other hand, today heath insurance in India is providing insurance policies for people with pre-existing diseases including HIV positive and for senior citizens as well. This is a very good move from health insurance companies and due to this move, many people who used to suffer from pre-existing diseases can now get treatment on par with people who do not suffer from disease contraction succeeds having a health insurance policy.