Basic Tips to Select Health Insurance Policy

03-12-2014 / admin / 0

Individuals and families must buy online Health Insurance India to face health adversities else it burns a hole in their pockets. Purchase enough coverage to avail quality medical treatment without being worried about the overbearing costs. But, selecting the best mediclaim policy is also important as it will deliver the goods effectively for you in case of an adversity.
There are many plans available in the Indian insurance market to fulfill different needs of varied customer segments. Basic healthcare plans and top-up policies can cover regular and basic health requirements, maternity-related expenses and existing chronic ailments. Numerous products provided by different insurance companies in India may leave customers confused. Therefore, follow some basic rules to select the best health insurance:

Understand Policy

While buying a plan, ensure that its services and features meet your current and future healthcare needs. Study the product in detail and then only invest in it if you consider the policy is valuable for yourself. Secure your health under comprehensive hospitalization indemnity insurance.

Select Right Sum Insured

Prepare yourself future ready while selecting sum insured. Due to high medical inflation rate, the quantum of health insurance that appears enough today will be insufficient to cover your healthcare costs in the next few years.

Check Health Insurance Premium

Policyholder is paying for what he or she get, so premium should be commensurate to the services and features of a plan as well as the quantum of coverage. Online comparison of similar plans across insurers helps to understand correct premium for your select health insurance India.

Review Features and Benefits

Know the product offerings to understand features and benefits being provided by insurers. Automatic policy recharge, daily hospitalization allowance, annual health check-up, second opinion and treatment abroad cover are some of the important benefits that prove the offering prudent and more attractive.

Ask for Cashless Facility

Under cashless facility, insured will not have to pay any money and the health insurance claim will be settled by his or her insurer directly. Choose an insurer that provides cashless facility at well-equipped hospitals which is located within your geographical proximity.

Read Exclusions

Read policy documents carefully, raise questions and do not go by what you were promised verbally. The exclusions notifications of a mediclaim policy are important because it mentions what treatments and ailments that plan doesn’t cover.

No Claim Bonus

When policyholder no not claims on his health insurance for a specific year, then the insurer offers him a no-claim bonus. It hikes your sum insured at the same premium or decreases premium while continuing the same sum insured based on the feature given by the selected insurer.

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