At a time when health care is becoming costlier every day, getting insurance is extremely important. It is not only those who know health who give advice to get it done, but everyone says it. But despite being so necessary, why do Indians stay away from this health insurance? What is the reason for this? In a recent survey of an organization related to the policy business, it has come out that people do not get the survey done because they find the amount of insurance premium very high and the second reason is that they do not get enough cover in that amount. . While which company’s policy is, it does not matter to many people. Why do people feel like this? The survey also says that in the year 2021, the highest inflation of 14 percent has increased in the field of medical insurance in India.
Why did the health policy become expensive?
Actually, the reason behind the health policy being expensive is not the present time, but it is getting expensive since the time of Kovid. There are more domestic reasons behind this. In these, the charges of medical tests, doctor consultation fees and almost everything have increased. Not only this, the price of medicines has also increased since April. Because the inflation has remained high for more than a year since last one year, so that has also affected it. According to media reports, Devendra Pant, Chief Economist of India Ratings and Research, said, the trend of increasing medical prices is still visible, which is not likely to reduce before a year.
Why people are not buying the policy
Many reasons have emerged in this survey for not buying the policy. Of these, 43 percent people said that the premium is high, 33 percent people said that they are in no hurry, 32 percent people said that they do not have enough funds for this. Some interesting reasons have also emerged in this survey. Some of these people have said that there are many options of health policy in the market, due to which they have come in a dilemma. While there are 53 percent people who have said that they do not understand the policy or its process is difficult and how health insurance works.
Why people are not renewing the policy
According to media reports, this survey done by Policy Bazaar tells that opinion has been taken from 3327 people in 27 cities on this survey. In the reasons for not renewing the policy, once again 47 percent people have said that they do not have money, while 30 percent people have said that they do not need it now. Some people have given the reason behind this that the policy does not cover all their diseases. While 30 percent people forget to renew their policy. While 23 percent people say that they have enough funds for health treatment, they do not need it.
Why people buy policy
Now the question is also that for what reasons the people who buy the policy buy it. A question was also asked about him in the survey. Responding to this, people said that the biggest reason for them to buy is the least premium. That’s why people are preferring to buy such a policy which gives more cover. The most interesting thing that came out in this survey is that the brand is important only for 35 people, while for 32 percent people, the network of hospitals coming in their policy is a big reason. If there are nearby hospitals in their policy, then 30 percent people have shown interest in buying it.
