If you live in a metro city, then you have to keep in mind the cost of treatment in the hospital of that city. If you want special facilities in the hospital, then you should take a health policy with more cover.
New Delhi. After the Kovid-19 epidemic, along with being health-conscious among people, awareness about health insurance has also increased. Kovid-19 has also increased the economic difficulties of the people and because of this the mindset of the people regarding health insurance has changed. People are finding it risky to depend on the health insurance policy provided by the company. Now even the insurance cover of Rs 5 lakh seems less to him.
Experts are always advising to take a health policy with adequate cover. Money control has introduced Moneycontrol-Secure Now Health Insurance Ratings in this regard. Its purpose is to help you choose the best health policy. Actually, it is not necessary to buy only health policy. It is very important to understand how much insurance cover you need.
City or place has an important role
The kind of city you live in also plays a role in deciding how much the health policy should cover. Bhava tosh Mishra, director (underwriting, products and claims), Niva Bupa Health Insurance, points out that there is a huge difference in healthcare costs in Delhi and Bhubaneswar. A large number of people avail healthcare services at the place where they live. That’s why it is important for you to take care of the expenses on healthcare in the place or state where you live.
If you live in a metro city, then you have to keep in mind the cost of treatment in the hospital of that city. If you want special facilities in the hospital, then you should take a health policy with more cover.
If you want exclusive room then choose policy like this
Amit Chhabra, head (health and travel business), Policybazaar.com, said, “If you are one of those people who want a separate room for themselves in the hospital or at least a deluxe room, then the cover of Rs 5 lakh can be spent very quickly.”
Will be done. If you want an exclusive room, then you have to choose such a health policy which does not have a sub-limit of room rent. It is very important to understand that the higher the cover of your health policy, the higher the premium.
Choose health policy according to age
People who are older should buy a health policy with more cover. The reason for this is that with age, the possibility of a person falling ill or falling prey to serious diseases increases. The needs of persons aged 35 years and 55 years are different. With increasing age, it becomes necessary for a person to have a health policy with more cover.
This is the reason why senior citizens should take a health policy with as much cover as possible. If you want to include your parents in your family floater policy, do not do so. The reason for this is that due to taking claims many times, your cover can end soon. This will not leave enough cover for other family members.
It would be better to buy a separate health policy for the parents. If your parents are already unable to get regular cover due to some illness, then you can take a senior citizen policy for them.
