Tips to save on medical costs

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We all know that prevention is better than cure. Great! Medically, we look at prevention as below:

• Primary prevention (the prevention of disease in the first place, for example through clean water or immunization against infectious disease) 
• Secondary prevention (the early detection of disease at a stage when it can be treated or limited, through periodic health surveillance)
• Tertiary prevention (reducing the impact of say a health outbreak)

So here are few tips for you to save your medical costs:

1. From a prevention perspective, you can do basic sugar and blood tests and check your weight at home with gadgets that cost less than Rs. 2,000 each. 
2. You should go for at least annual health checkups for yourself, your spouse and your parents. You may find Charitable Trusts in your area that offer such checkups typically at around 30% less cost. 
3. Find Generic Equivalents for your Branded Medicine: Unbranded (generic) medicines are generally more affordable and effective. See if websites like MIMS.com, MedIndia.net, HealthKartPlus.com, GetDavai.com and MyDawaai.com can be of help.
4. Leverage Medical Tourism: If you plan to visit India for getting a medical treatment, then check services from http://www.indianhealthguru.com/ and http://www.medworldindia.com/ 
5. Shop for the Best Health Plan: You can go for a full-fledged health cover or take a top up cover. You could go for plans that include medical expenses reimbursement or have good ‘no claim bonus’ components. So study the available options on leading personal finance websites and smartly make your choice.

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