Health insurance policy is very useful in reducing the burden of increasing cost of treatment.
In the era of Kovid-19, it has become very important. The choice of health policy should be done carefully. In this, many things need to be taken care of including the coverage of the policy.
The condition of government hospitals in India is very pathetic and private hospitals charge a lot for treatment. In such a situation, if a common man becomes ill, then a big problem arises in front of him.
He finds a solution to this problem in health insurance. But it is not necessary that he is able to choose the right health insurance policy in this era of Kovid-19 so that he gets complete protection and has to pay less money as premium.
There are many things to keep in mind while choosing a profitable health policy. In this, information has to be taken about the diseases to be covered, the limit of expenses incurred on admission to the hospital, payment of expenses before and after admission to the hospital, etc. What are the things to be kept in mind for choosing a right policy, let us know…
Exhaustive health cover
The health policy should cover as many diseases as possible. It is not known when which disease catches someone. Therefore, such a policy should be chosen in which there is talk of paying the cost of treatment of other diseases including Kovid-19.
Whole family coverage in one policy
It is better to choose a policy that covers all the members of the family than to take different policies for different members of the family. The premium of such a family health policy is less than different policies. Therefore, pay attention to this option while buying a health policy.
While taking such a health policy, the amount insured must be taken into account. Always take such a policy in which the sum insured is high. If you have to pay a little more premium for this, then do not hesitate.
The advantage of this is that you do not have to worry about the cost while getting treatment when you are sick. Because your health insurance cover is of high amount.
Plans with complete coverage
While taking a health policy, make sure that it has full treatment cover. Some insurance companies do not keep PPE kits, mask gloves and some other such things or expenses in the treatment.
These expenses have to be borne by the policy taker out of his own pocket. So take a policy that covers all the medical expenses. The second important thing is that you should not take a policy that gives short term cover like 6 or 9 months cover. Take the policy for the whole year.
many days
While taking a health policy, it is also important to see that the number of days for hospital and home treatment has not been fixed in the policy. In some policies, the company pays only for a certain number of days. That’s why one should always choose the plan with more days.
We cannot estimate how many days a person will recover from illness or how many days he will have to stay in the hospital.
Therefore, as far as possible, such a policy should be chosen in which there is no limit of days. If you take a policy with limited days, then the number of days is more, then choose that policy.
