Different insurance companies in the country provide cover for different diseases and different amounts in different premium ranges. If your insurance premium is low then you will get cover for less amount and if your premium is expensive then you will get cover for higher amount.
In the present era, the importance of health insurance policy has increased manifold. Along with the corona epidemic, there are many such diseases, due to which a person who is in the grip of which loses a large part of his income in treatment. In such a situation, if you have a health insurance policy, then the cost of your treatment becomes very less.
Actually, insurance companies sell health insurance to people at an annual premium. If a policyholder falls ill and his treatment incurs a hefty cost, then the insurance company pays the cost of his treatment.
Insurance companies offer different premiums for different amounts and cover for different diseases. Before buying a health insurance, you should take special care of many things and buy a policy only after careful thought.
Fewer benefits are available in low premium policies
Different insurance companies in the country provide cover for different diseases and different amounts in different premium ranges. If your insurance premium is low then you will get cover for less amount and if your premium is expensive then you will get cover for higher amount.
In policies with higher premiums, you get a higher amount as well as cover against more diseases. Therefore, while buying an insurance policy, one should always keep in mind what kind of policy you need. Many times people buy such policies, which do not cover their illness at all. Hence, always buy a policy that covers your illness completely.
Things to keep in mind while buying a health insurance policy
There is one more thing you should consider while buying an insurance policy. Yes, while buying an insurance policy, one should always keep in mind those things which are not covered under it. According to the website of the country’s well-known insurance company Bajaj Allianz, there are many situations when insurance companies do not give you a claim. Let’s know about them.
- Insurance companies do not pay claims for injuries and treatment due to fight.
- There is no claim for the cost of spectacles, false teeth, false organs like hands and feet, contact lenses, hearing aids etc.
- Claim is not available for the treatment of dental problems. However, if your tooth is damaged in a serious accident or if the tooth has to be treated due to cancer, then you are given a claim.
- There is no claim for cosmetic surgery also. But in case of cancer, injury or burn, claim is also available for plastic surgery.
- If you intentionally hurt yourself then you will not get any claim.
- Insurance companies do not give claims for treatment done in any other country outside India.
