7 Things to Consider before buying health Insurance
01.
Type of Plans and Empanelled Hospital List While choosing between an individual health plan and a family oater, go through the insurers list of empanelled hospitals network to ď€ nd ones closest to you, or your preferred ones.
02.
Specialist Services In case services of a specialist are required, check which are the empanelled hospitals that offer it and the procedure needed to avail the service.
03.
Pre and Post Hospitalization Expenses Check for the applicability of coverage of medicinal, nursing and consultancy services before and after the completion of your treatment.
04.
Coverage of Pre Existing Diseases and Benefits of Plan Check on coverage of pre-existing diseases and the waiting period for the cover to come into force. Also availability of benets like health checkup, free tness test, health maintenance benets and OPD reimbursement needs to be checked. Thoroughly for their t with your routine & lifestyle.
05.
Claims Process and Claims Settlement Ratio Check for the easability and effectiveness of the insurer ’s claims process. It is advisable to select insurers with relatively better claims settlement ratio.
06.
Sum Insured and Premium Basis the cost of medical treatment in your city, select the relevant health insurance cover with adequate sum insured. It is advisable to pay slightly more premium, rather than being under insured & end up paying much more, eventually.
07.
Exclusions Check and understand the exclusions mentioned in plans. This will help you avoid any disappointment when you raise a claim for treatment of diseases mentioned in exclusion list.
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