Even though, India is making huge progress in the medical field with many super specialty hospitals coming up in the Indian cities that are also attracting a lot of patients from abroad due to affordable medical facilities in comparison to other countries. But, sadly the health care cost is becoming unaffordable for the Indians in their own country in the past few years.
The health care cost in India has been breaking all records by surging high and outdoing even the inflation numbers. As per a survey conducted by the National Sample Survey Office (NSSO) in 2014, the average medical expenditure per hospitalization has risen by 176% forurban patients and 160% forrural patients in the span of last 10 years i.e. from 2004 to 2014. That is alarmingly high.
Inefficient public health care system, high cost of treatment at private hospitals, medical and technological advancements, the high cost of new drugs, and the high cost of trained staff- all these factors are leading to an increase in the cost of health care in India.
Here are a few steps to help you fight rising health care costs in India:
Adopt A Healthy Lifestyle
There has been a steep rise in the number of people requiring medical attention in recent years. This is due to the modern lifestyle and ignorance about one’s own health owing mainly to our busy schedules.
You can avoid medical expenses by reducing the chances of getting sick. For that purpose, you need to bring a change in your lifestyle and resort to a healthier way of living.
Here are a few small steps that can bring you closer to your health-conscious lifestyle goal:
- Prepare your meals at home
- Avoid junk, processed, and packaged food
- Indulge in physical activities like walking, jogging, aerobics, etc. on a daily basis
- Learn about your food and its nutrition value. Balance your diet by including fruits and vegetables in your meals and drinking water instead of aerated drinks.
Prevention is better than cure. That is very true regarding the inconvenience, pain and medical expenses that a medical issue results into. The cost of preventive care is far less than the cost of medical treatment.
So, to avoid unnecessary, huge medical bills, you should schedule a regular yearly checkup with your health care provider. In these checkups, you need to go through certain tests to ensure your well-being. If any issues are found in the reports, then the doctor can advise you certain precautionary measures and medicines to correct the problem in time to avoid any serious medical issue in future. These preventive measures would cost you a fraction of the cost of any medical treatment required in the future.
Health Insurance Plan
An independent health insurance plan is a very good option to avoid paying huge medical bills from your own pocket. As per a report from the World Health Organization, 70% Indians pay for medical expenses out of their pocket and still fail to get quality medical attention.
Medical costs have been on a steady rise by touching two-digit inflation in recent times. So, in that case, any medical emergency can cause yo financial distress if you do not have independent health insurance.
So, to safeguard yourself from such a situation, you should buy a good health insurance plan that can provide enough coverage for unexpected medical costs.
Using a Public Health Care Service Provider
Private hospitalization may seem to overburden your pockets at times, and while regular check-ups are not very costly, long hospitalization may cost you dearly at top private hospitals. You may try opting for public hospitals for major ailments if you are wary about the prices.
Public health care providers offer many of the same services at minimal charges. So, if you want to beat huge medical bills, you should try availing medical services from public health care service providers.
Generic medicines are chemical clones of their branded cousins and only differ in the packaging and presentation. Generic medicines are much cheaper than the brand-name medicines. However, despite the cost difference, generic drugs have the same curing potential as their branded counterparts. So, you can always ask the doctor or chemist for the generic medicine in place of any branded medicine to save money. They provide same results and quality at a much lesser cost.
With the spiralling increase in the cost of medical treatment in India, it has now become essential to take the preventive steps mentioned above and avoid hefty medical bills to lead a healthy and carefree life.
Health insurers like Apollo Munich understand this need fully, and have integrated features within their health insurance policies that lets consumers enjoy a discount on renewal premium on leading an active lifestyle. They also offer reimbursement for preventive health check-ups to their customers.