How to choose a good health insurance policy?
Lifestyle related diseases are increasing in our country. Sometimes we don't have anything to take when it comes to the cost of treatment. Health insurance policies are of no small help in health care.
This is the time when we are all starting to forget the saying that health is wealth. How much can we pay attention to our health in the midst of various life rushes? The cost of our treatments is also horrendous. So we take health insurance policy to get rid of this big problem. Health insurance policies are of no small help in health care.
Wondering why you should consider health insurance?
Lifestyle related diseases are increasing in our country. Sometimes we don't have anything to take when it comes to the cost of treatment. Then it is better to have a health insurance policy plan to cover these types of expenses.
But post-Covid, this approach has changed a lot. People are increasingly turning to life insurance policies. So the following are the things to keep in mind while choosing a good life insurance policy.
Today there are policies in the form of an insurance for the entire family. Policy holder, spouse, dependent parents and dependent children all come under one roof. These are called family floater plans. Some schemes can also extend the cover list to include siblings and other family members. From the young to the elderly, everyone needs medical attention. Then you have to check many criteria to choose the right policy. the
Amount and benefits
You need to know how much is the sum insured for the plan. You should inquire separately and understand what are the benefits under the policy, what are its limits and whether there are optional riders or not. You get additional coverage benefits for an additional premium.
Hospital network
Often a policy paper comes with schemes that come with good benefits along with the coverage. But the hospital network where the insurance provider gives you coverage is important in this. Let's look at the benefits of insurance policies that allow us to be admitted on any occasion.
Previous illnesses
If you are diagnosed with an illness before you take out a policy there may be a waiting period to take out the insurance. It can range from 12 months to 48 months. Plans with shorter waiting periods generally require higher premiums.
Premium
You should compare the premiums of different policies before choosing a policy. You can also avail discounts.
Others
Most policies these days offer free health check-ups. It would be good to choose such. There are also free doctor's consultations, as are loyalty programs.