If you have not taken Individual Health Cover on the basis of Group Health Insurance, then you must take this health insurance plan.
After the Covid period, the importance of health insurance plan has increased manifold across the country. Since then, there has been a rapid awareness among people about health insurance. Because once admitted in your hospital, lakhs of rupees are spent. If you are working in a company and there you have not taken Individual Health Cover on the basis of Group Health Insurance, then you must take this health insurance plan. Because as soon as you leave your company or retire, you are thrown out of the health insurance cover.
If such a condition arises with you that you do not have a job, then you must have a cover. Before taking individual cover, it is necessary to take care of some things. Whenever you take health insurance, it is very important to give correct information related to your health. If you smoke alcohol or cigarettes, then also give this information. So that going forward you do not have any problem in taking the claim.
Whenever you take an insurance cover, there is a lock-in period policy for some time. That’s why you do not get the benefit immediately after taking the cover. That’s why you should take individual cover in advance. So that when you need it, you can easily take advantage of that policy.
If you want to do Ayurvedic treatment instead of English medicines, then you can take AYUSH cover while taking your policy. Because some insurance companies also include AYUSH system in their insurance while giving insurance. Some sub-limit is also kept for this. In such a situation, you should take such a plan, in which more limit is being given for AYUSH treatment.
While taking a health insurance policy, some companies also provide you the facility of some add on riders, which you can buy by paying a slightly higher premium. You can take advantage of such add ons at the time of any serious illness. Because it gives you an extra protection layer. There may be some rules regarding room and ICU in many policies. In this case, you can add this facility in add on rider. Because you get many additional benefits in this riders.
