There are some important things to keep in mind while taking a health insurance policy. If you ignore these things, you will not get timely treatment and will not get a proper claim.
After getting a new job, young people usually do some things on impulse. They inquire about the PF account. They take out an LIC policy. At the same time, if there is no company health insurance, they also take out health insurance. Today, we are going to learn what things to look for in the documents of the company’s insurance and what things to look for even if you are buying. These things are important because if they are ignored, you will not get a claim even if you have insurance.
Choose a health policy like this:
The importance of a health insurance policy has increased significantly after the Corona pandemic because medical treatment has become very expensive and in such a situation, health insurance has proven to be like a safety net. There are some important things that you should pay attention to while taking a health insurance policy. If you ignore these things, you will not get timely treatment and you will not get a proper claim.
What expenses are covered?
When taking a health insurance policy, find out what expenses are covered by that policy. Find out whether the costs of hospitalization, doctor’s fees, medicines, surgery costs, chemotherapy, dialysis and other procedures are also included in it. Read the policy documents to find out which expenses are covered and which are not, and if not, ask the person concerned. The above-mentioned expenses should be included in your policy.
Bonus and Premium
When buying health insurance, check if there is a bonus facility in the policy. Also, find out when the premium amount can increase. If you are buying insurance for your family, then it is important to get all this information because the policy will cover the treatment of diseases of everyone in your family.
Find out how many days of hospitalization
you have to stay in the hospital, how long it will take, and whether the policy covers the cost of health tests and medicines. Some policies require you to stay in the hospital for at least two days to be eligible for coverage. If you are discharged earlier than that, you will have to pay the amount, as the insurance company will not pay for it. Also, find out how many days the company will cover in the policy.
Cashless facility:
Find out which hospitals in the country and which hospital chains the company whose health insurance policy you are taking has tie-ups with. Also, check whether the hospital with which you have tie-ups has cashless facility or not. Otherwise, you have to pay the bill first and then the company pays it. Know the method of paying the bill.
Critical Illnesses
Many policies do not cover critical illnesses like cancer, heart disease, kidney failure. Check whether these illnesses are covered in your policy. Even if you are buying a policy from a friend or acquaintance, you still have to verify these things yourself. If you check all these things before taking a health insurance policy, you will not face much difficulty in getting a claim.
