If you do research on health insurance and plans, you will find many companies. Features of policies will be available. This is where you need to be very careful. If you keep the parameters in mind, then you can choose a better plan and company.
Health Insurance. health insurance. The way new diseases are coming these days. Hospital expenses are increasing. In that, people are fast moving towards health insurance. In the hope that even after taking full care of your health, if any disease occurs, you can get treatment and there will be no additional burden. Many times due to lack of money, better treatment is not available. In such a situation, health insurance policies can prove to be better for them.
Now whenever we think about health insurance policies, the first thing that comes to our mind is which policy to take. Should I take an individual (only my own) health plan or a family floater (in which the family is also included). Should I buy the cheap one or the expensive one? Should I take what my friend has taken or whose ad I have seen on TV. Many times, amidst these confusions, we are not able to do proper research and take such a plan which does not prove to be beneficial for us in future.
When you do research, you will find many insurance companies. Different policies will be available. They will have features. Benefits will vary. Here again you will be confused as to which plan is right for you and your family. In such a situation, we are telling some indicators and parameters, paying attention to which you can take a better policy.
In such a situation, you have to focus on some points: –
1. Should I take health plan individual or family?
First of all decide whether you want to take the policy only for yourself or for the family. It is better if you take an individual plan with a medical history in mind. Whereas, in the family floaters plan, more than one member is covered in a single plan. For example husband, wife, children and grandparents of children. For all these you have to pay only one premium. But, here also you have to be a little alert. If any family member has any medical history, then you can take a separate individual plan for them.
2. Who will be covered in the family
When you move from individual to family floater plan, then first of all you should see who will be covered in it. Sometimes there are only husband and wife in the plan. Sometimes there are husband and wife and children. Sometimes you are more parents. Then there are husband-wife, children and grandparents in many plans. It needs to be rectified in a better way.
- Evaluate the features and benefits of the plan.
- See how pre and post hospitalization cover is available.
- Check the limit of room rent.
- Check whether there is a monthly payment option or not.
- How long is the waiting period?
Consider a comprehensive health plan while choosing a plan for your family. Because basic plans do not provide day care cover, ambulance cover, outpatient cover, critical illness protection. In such a situation, it proves to be a big challenge many times.
3. Cashless facility in the plan
Now you have gone ahead to take any plan. In such a situation, you need to pay attention to the plan with cashless facility. Sometimes we don’t have cash and sometimes budget for treatment. In such a situation, cashless facility gives you a big relief. So you should see very clearly in your plan whether cashless facility is there or not. Also, what will come in this cashless facility.
