Health Insurance Policy: The advantage of choosing a good health insurance policy is that you do not have to spend anything on treatment and there is no problem in taking the claim.
New Delhi. In India, due to overcrowding in government hospitals, treatment is not possible and getting treatment in private hospitals is not within everyone’s reach. In such a situation, if someone falls ill, a big problem arises. After Covid-19, medicines and hospital expenses have become very expensive. One way to get rid of this problem is health insurance.
But, it has also happened with many people that despite having health insurance, they had to spend a huge amount of money from their own pocket for treatment. The reason for this was not choosing the right health insurance policy.
Not knowing and understanding the terms and conditions properly. The million dollar question is that how do we choose a good health insurance policy so that we have to pay less premium? Received full claim. Mediclaim neither got stuck nor hung.
There are many things to keep in mind while choosing a beneficial health insurance policy. In this, information has to be obtained about the diseases covered, the limit of expenses incurred on admission in the hospital, payment of expenses before admission in the hospital and after discharge etc. Let us know what things should be kept in mind to choose the right policy…
Coverage of more and more diseases; one
never knows which disease will strike someone. Therefore, one should choose such a policy which covers the cost of treatment of other diseases including Covid-19. Before taking the policy, be sure to understand which disease’s treatment expenses will be paid by the insurance company.
One policy for the entire family:
Instead of taking different policies for different members of the family, it is better to choose such a policy which covers all the members. The premium of such a policy (family health policy) is lower than different policies. Besides, more facilities are also available. Please pay attention to this option while buying a health policy.
While taking a health policy with higher
sum insured, one must pay attention to the amount insured. One should always take a policy in which the sum assured is higher. Don’t hesitate if you have to pay a little more premium for this. Its advantage is that you do not have to worry about the expenses while getting treatment when you fall ill. Because your health insurance cover is high.
Full treatment expenses covered:
While taking a health policy, ensure that the entire treatment is covered in it. For example, in the treatment of Covid-19, some insurance companies do not include PPE kits, mask gloves and some other such things or expenses. The policy taker has to bear these expenses from his own pocket. Therefore, take such a policy which covers all the treatment expenses.
While taking a health policy for multiple or unlimited days,
it is also important to check that the number of days for hospital and home treatment is not fixed in the policy. In some policies, the company pays the expenses for a certain number of days only.
Therefore, one should always choose the plan with more days. We cannot predict how many days a person will take to recover from an illness or how many days he will have to stay in the hospital. Therefore, as far as possible, one should choose such a policy which does not have any limit on days. If you take a policy with limited number of days, then choose only that policy which has more number of days.
