Since there are many companies in India that sell HEALTH INSURANCE, choosing one can really become a daunting task. In addition to having a wide variety of plans to choose from, intimidating jargon, also known as political language, adds to the confusion. While obtaining health insurance is a difficult decision to make, there are some factors to consider when zeroing out a plan.
Here are the 10 things to consider before getting health insurance:
Authorization process
The simpler the claims process and the faster the claims settlement, the better for the insured. Therefore, these two factors are important when choosing a policy. Good customer support is an added benefit to consider.
Family health insurance
When you buy health insurance, be sure to keep an eye on your family members and their ages. If necessary, consider current medical conditions and family medical history before purchasing insurance. Also, check with your family members about pre-existing medical conditions before purchasing a policy.
Choose the correct sum insured
When choosing health insurance, the amount should be chosen carefully, as it covers medical expenses for one year. Consider your age; The younger you are, the lower the amount of insurance required. You should also take a look at your income to analyze the premium to pay. Another important aspect is the complements that affect the amounts of the bonuses. Make sure you choose a sum insured that is not neglected in an emergency and whose premium is not too high.
Network hospitals
The HOSPITAL NETWORK WITHOUT CASH must always be clarified with the insurance company. In case of medical emergencies or hospital stays, the group hospitals offer a cashless option: the insurer pays the medical bills directly with the insurer. Choose insurers with a large number of network hospitals, such as HDFC ERGO, which has more than 5000 hospitals in its network.
Maternity allowance
As medical costs have risen, so have pregnancy costs. It is important for women to obtain health insurance that provides maternity benefits. In the case of maternity benefit, you should look at the waiting time to claim the maternity benefit and consider the lower limit. The policy should also cover outpatient expenses and
verify policy-related exclusions.
Hospitalization before / after hospitalization
Before going to the hospital, see a doctor, get medicine, and get tested. You will be admitted to the hospital and there will be some costs after the treatment; costs include aftercare at the doctor, medication to take, and much more. Choose an insurance policy that also covers these aspects.
Lifetime extension
Look for health guidelines that offer lifetime renewability. There is a greater risk of disease and illness in old age than in youth - a health policy with lifetime renewable is what you should buy.
Free medical exam
You should look for a policy that insures the person for a free medical exam. However, this does not affect the premium for contract extensions.
A HEALTH INSURANCE PLAN is your best help in the event of a medical emergency. Consider these points before buying one.
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