What Is Pet Insurance?

What Is Pet Insurance 2024 mein veterinary dekhbhaal ki kimat 10% badh gayi. Iss parinaam mein, adhik gharailoo maata-pita apne Pet Insurance saathiyon ki dekhbhaal ko sasta banane ke tareeke dhoondhne lage hain. Pet insurance ek vikalp hai jo lokpriyata mein badh raha hai, 2020 se 2024 ke beech sign-up mein 28% ki vriddhi ke saath.

Lekin pet insurance vaise kya hota hai, aur yeh kaise kaam karta hai? Agar aap aise prashn pooch rahe hain, toh yahaan jaaniye pet insurance ke baare mein kuch jaroori baatein.

What Is Pet Insurance
What Is Pet Insurance

What is pet insurance for?

Pet insurance ek swasthya dekhbhaal coverage ka roop hai jo vishesh roop se gharailoo pashuon ke liye banaaya gaya hai, aam taur par kutte aur billiyon ke liye. Kuch policies sidhe taur par haadse ya durghatanaon se judi lagat ko cover karte hain, jabki doosre bima policies bima ki bimaayi mein bhi shaamil hote hain. Yahan tak ki kuch swasthya bima policies, jo ki rojgar se sanrakshan policies bhi kahlaate hain, aise prakar ke niji veterinary vyayam jaise ki vaccination par dhyaan kendrit karte hain.

How does pet insurance work?

Pet insurance ek reltively simple tareeke se kaam karta hai. Jab aap pet insurance ke liye daakhila karte hain, to aap apne paltu janwar ke details bima company ke saath share kar sakte hain. Apni coverage prakar ko chun sakte hain, apna deductible set kar sakte hain, aur shuruaati premium ke baare mein jaan sakte hain. Ek baar jab aapka policy ban jaata hai, to aap coverage ko maintain karne ke liye mahine ka ek premium bharte hain.

Agar aapka pet kisi qualified ghatna ka shikaar banta hai jo ek vet bill tak pahunchata hai, to aage kya hota hai yah bima company ke upar nirbhar karta hai. Kai pet insurance companies reimbursement method ka istemal karti hain. Ismein, aap pehle apne veterinarian ko out-of-pocket kharch ko bharte hain aur phir apni pet insurance company ke saath ek daava file karte hain. Daava prakriya poori hone ke baad, agar vyay ka kharch aapki policy ke dwara shaamil hai, to aapko bima company se coverage ke star ke aadhaar par bhugtaan prapt hoga.

Kuch bima companies ek alag tareeka istemal karti hain, jismein ve vet ko seedha kharchon ke liye bhugtaan karte hain jo cover kiya gaya hai. Yah vikalp paisa kharch karne ki zaroorat ko rokta hai, jo faydemand hai agar aapke paas anjaane kharchon ke liye alag se paisa nahi hai.

Har haal mein, coverage shuru hone se pehle deductible payments karni hoti hain, jiska raashi alag-alag ho sakti hai. Kuch policies mein $0 deductible ho sakte hain, jabki doosri policies $1,000 tak ho sakti hain.

What does pet insurance usually cover?

Pet insurance ki cover policy ke prakar par nirbhar karta hai. Accident-only coverage aam taur par hadse ya durghatnaon se judi chotyon ko shaamil karta hai. Chikitsaik dekhbhaal ke saath chot ki prakriti, ilaaj ke kharch aur saath mein diye gaye dawao ko aam taur par shaamil kiya jata hai.

Hadse aur bimari policies adhik vistrit hote hain. Hadse ki coverage, jaise ki upar varnit ki gayi, alag-alag bimariyon jaise sankraman ki nirdhaarana aur chikitsa ko bhi shaamil karta hai. Cancer jaise sthitiyon ko bhi sambhavatah shaamil kiya gaya hai.

Welfare policies ke saath, vishesh roop se ritiriv chikitsa ka prabandhan yojana dvara hota hai. Ismein varshik vaccination, flea aur tick dawai, deworming aur saman samanya sevaon ko shaamil kiya ja sakta hai. Kabhi-kabhi welness policy ko alag se prapt karna ek vikalp hai, lekin adhikatar uparyukt anya policy prakar ke liye ek add-on ya rider ke roop mein dekha jata hai.

Halaanki, yah mahatvapurn hai ki har policy alag hoti hai, isliye coverage seemayein aur pratishtedh alag-alag hoti hain. Isliye, daavedaari ke pahle policy ke vivaran ko padhna avashyak hai, jisse aap poori tarah se samajh sakein ki kya shaamil hai aur kya nahi.

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