Health insurance is a kind of insurance that covers a specific or a portion of an individual’s risk in incurring unexpected medical costs. This insurance is a contract or an agreement between you and the insurance company, which ensures to pay you during your hospital stay. It is designed specifically to aid individuals in covering medical expenses. It is one of the crucial financial decisions one makes in life, and hence, finding the best health insurance plan is a priority.
Here are some reasons why you should begin looking for the best health insurance plan for financial protection:
- Health Insurance Helps Save Money
If you are without the best health insurance plan, you could be forced to pay for all the medical services you need through various means. You could incur high medical costs due to a medical emergency, leaving you with the only option to dip into your savings. Purchasing the best health insurance will ensure that you keep your savings safe and meet the expenses with the coverage provided. It will also protect you from sudden financial ruin, which is likely a possibility considering the skyrocketing costs of medical treatments.
- Ensures Security and Sense of Well-being
Another reason why it is so important to have the best health insurance is because of the personal health outcomes. It is well-known that in this era, people are at higher risk of accidents and serious health issues such as cancer or heart disease. It is also known that uninsured people are at greater risk of facing financial difficulties in case of an unexpected health problem.
On the other hand, having the support of the best health insurance plan gives one reassurance and a sense of protection. Additionally, this feeling of security can completely change the perspective of one’s life and help one stay productive.
- Covers for Medical Costs During Emergency
Individuals without the best health insurance coverage may face the problem of not accessing the medical care services when they need them. As a result, they may find it difficult to get routine checkups and are forced to wait on getting these services.
In addition, those who are uninsured may also find it difficult to afford out-of-pocket expenses for preventative care and other health services. Purchasing the best health insurance plan can solves these issues.
Essentially, in the event of a medical emergency, a health insurance plan can provide significant and much-needed financial assistance. Choosing the best health insurance plan can provide you with substantial financial protection, covering treatment costs both in India and overseas. Furthermore, if you opt for renowned insurers like Care Health Insurance, you can also get coverage for costs of hospitalisation, diagnosis, ambulance, and prescription, as well as the convenience of fast reimbursements.
- You Become Eligible for Tax Exemptions
Health insurance is useful not just for covering future costs but also for providing immediate financial assistance. Section 80D of the Income Tax Act, 1961 allows you to get a tax deduction of up to Rs. 25,000 in premiums paid toward a coverage. You can deduct the cost of your own policy, as well as the policies of your spouse and children. This may assist you in lowering your overall tax liability.
Buy the Best Health Insurance Policy
The lack of insurance coverage for the uninsured population continues to pose a large and growing problem. As per the available data, the overall penetration of health insurance in India in the financial year 2018 was roughly 35%. Evidently, many people do not opt for comprehensive health insurance policies. As a result, the uninsured people will have to go without the care and medical services they badly need to protect their lives.
This tragic trend of the uninsured population not having access to necessary medical care will continue to strain the health care system. As a result, it will have an enormous effect on the health and financial well-being of the uninsured population in India. Therefore, it is ideal to get the best health insurance after weighing your long-term and short-term financial needs aligned with your health requirements.
How to Help Your Child if You Think They Might Have Autism
Do you suspect your child might have autism, but you’re not sure? While only a professional diagnosis can tell you for sure, there are many ways you can support your child while you get a diagnosis and create a plan.
Here are some of the best ways to support a child you think might have autism.
- Try a variety of therapies
While you’re in the process of getting a formal diagnosis, start trying different therapies with your child to see if anything resonates with your child. Every child with autism is different, so what works for one person may not work for another. There are several types of therapy you can try that are low-cost or free, including play therapy, speech therapy, floortime, ABA therapy, and more.
Although your child will need a formal Autistic Spectrum Disorder (ASD) diagnosis to get ABA therapy, it’s worth noting that once you have a diagnosis, you can get in-home therapy, which will make things easier on you and your child. Organizations like Golden Care Therapy in New Jersey will send an ABA therapist to your home to work with your child in their own environment. Getting in-home therapy will reduce the stress your child may feel from being in a new and unfamiliar place.
The more therapies you try, the better chance you have of getting a head start in supporting your child, whether or not they get diagnosed with autism.
- Get your child some sensory toys
Kids with autism need to stim, which is just a fancy way of saying they need something to stimulate their senses in a way that allows them to mitigate and disburse the sensory overload they’re feeling. Without toys, kids will find ways to stim using just their bodies and their surroundings, but toys can be extremely helpful and less damaging depending on your child.
Every child is different, so it might take a bit to find toys they like. However, you can find some excellent suggestions from The Aspie World on YouTube. Some toys spin, squish, make noise, or are a series of magnets that can be reshaped. If your child is already fixated on certain types of toys, try to find something that matches their existing interest. For example, if they like soft textures, find some plush toys with a velvety-smooth texture. Try all types of toys to see if they help your child.
- Seek a professional diagnosis
Getting a professional diagnosis is the best way you can support your child when you think they might have autism. Once you have a diagnosis, that opens the door to getting services that will help them immensely. Not just while they’re young, but it will help them in their adult life, too. For example, if your child moves out on their own, and they struggle with self-care and household chores, they’ll need a professional diagnosis to get in-home services from the state.
A professional diagnosis will tell you if your child is on the autism spectrum, or if they have a different disorder. Depending on the therapist you choose, they’ll likely be able to diagnose your child with any relevant comorbidities, which are common with Autism Spectrum Disorder (ASD).
- Learn about autism
Next to getting your child professionally diagnosed, learning about autism will help you support your child in many ways. There are many misconceptions about autism that can make it hard to spot the signs of autism. One of the best people to learn from is Tony Attwood. He’s considered the leading expert on Autism Spectrum Disorder and is extremely knowledgeable.
One of the most important things you can learn from Attwood is how to spot Autism in girls. For various reasons, it’s harder to spot autism in girls and some girls don’t get diagnosed until they’re in their 40s. Attwood gave an excellent talk about Asperger’s in girls back in 2015, and you’ll learn a lot from this speech.
Although Attwood’s speech focuses on Asperger’s, it is part of the autism spectrum. As a diagnosis, Asperger’s has been officially merged into the diagnosis of Autistic Spectrum Disorder.
Support your child in every way you can
When you suspect your child might have autism, it’s important to support them in every way possible. While you’re seeking a professional diagnosis, start trying simple solutions, like play therapy and toys for stimming. See how they respond. Once you get a diagnosis, your child’s therapist will suggest next steps to help your child long-term.
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