While buying health insurance, check the details of expense coverage, sum insured, network hospitals, claim process, premium, exclusions and waiting period. Choose the policy as per the needs of the family.
After the corona epidemic, the importance of health insurance policy has increased a lot, because the cost of treatment is constantly increasing and health insurance can prove to be a safety shield. However, it is important to keep some important things in mind while buying a health insurance policy. If you do not take care of these things, then you will neither get proper treatment nor will you get the right claim on time.
Which expenses will be covered in the policy
While taking a health insurance policy, first know which expenses are covered in the policy. Such as hospitalization expenses, doctors’ fees, medicines, operation expenses, chemotherapy, dialysis and many other expenses. Make sure that your policy covers all these expenses.
Sum Assured and Bonus
While choosing the amount of health insurance, keep in mind whether the policy has a bonus facility and when the premium amount can increase. If you are taking health insurance for your family, then this thing becomes even more important, because all the family members will be covered.
Cost of hospitalization and health checkup
Some policies also cover the cost of hospitalization and health checkup. It is important to know how many days of hospitalization is required in your policy and whether other expenses like cost of checkup will also be covered.
Network of hospitals
It is important to know which network of hospitals the health insurance policy you have chosen is associated with. Hospitals that are associated with insurance companies provide cashless treatment and the bills are paid directly by the insurance company.
Are critical illnesses covered or not
Many policies do not cover critical illnesses such as cancer, heart disease, kidney failure, etc. So make sure that your policy treats these critical illnesses. If you do not take care of these things and take a health insurance policy, then after treatment you may face a lot of problems in getting a claim.
GST on insurance should be reduced, life insurance policy should get exemption apart from 80C
