Keep these things in mind while taking health policy
Table of Contents
Before taking health insurance, consider these things…
Often people ignore important things while taking health policy. Therefore, while taking health policy, what are the things that are important to keep in mind.
Make a comparison while taking the policy
Before selecting health insurance, check the plans of 3-4 companies. With this, you will know which facility is being provided in which plan and what is not. Keep in mind, avoid buying a plan that has too many conditions. Look closely at each and every clauses of health policy.
Understand your needs
Whenever you think about taking policy, keep in mind the needs of your family. Special attention needs to be given to the number and age of family members. If you have a young family, you can take a basic ₹ 5 lakh policy, in which parents and 2 children are covered. Its premium is around ₹ 16,840. With this, many companies also offer an additional 150% refill amount, like if you have taken a policy of ₹ 5 lakh, then you can avail ₹ 7 lakh and 50 thousand. But if there are parents in the family, then take a policy with a large floater cover so that you do not have to fall on your pocket in case of major illness. Also keep in mind that you will be able to pay the premium of whatever policy you take.
Claim process should be easy
Whenever buying a policy, be sure to ask for the claim process such as how many hours the claim is approved, how many hospitals come to the panel, and how many days it takes to get treatment if the hospital is outside the panel. You can also get all this information by visiting their sites. Usually the claim is approved in 3 to 9 hours and reimburses in 20 to 25 days. That is why it is very easy to choose a policy with easy claim procedure.
What is important to know
Ask if there is an accidental damage cover from Day One, how long will seasonal diseases be covered, how many days after taking the policy will be covered. Some companies include planned surgeries like stone, cheekbladder etc. from the beginning. Therefore, get full information about this in advance.
Lifetime renewal
You should take such a health policy, which gives the facility of lifetime renewal, because no one knows when he falls ill. In this case, choosing the right policy will provide lifetime protection.
Free Medical Checkup
Take a policy that has the facility of free medical checkup. Some companies have their own diagnostic centers and panel hospitals. If checkup is done in them, then some companies give the facility that you can get them reimbursed by testing from outside.
Pre and Post Hospitalisation
Before and after the operation, a lot of money is spent in the name of showing and testing the doctor. In such a situation, while taking the policy, ask if there is a facility for pre and post hospitalization. With this you will have the facility of lifetime.
Do not be bound by conditions
In the policies of some companies, it is clear that you will not get room rent more than fixed rupees if you fill in the hospital. If there is any such condition in the policy, then do not take the policy because you do not know how much you will have to pay for that in case of illness.
Do not hide chronic diseases
Insurance companies want that everything from the customer is clear about diseases and habbits such as how is the lifestyle, medical history etc. so that the company does not face any problem in giving insurance to you. Therefore, give correct information about your illness, even if you have to pay a little more premium.
POLICY NEED FOR WOMEN
There is an increased awareness among women towards the future and career. Working women are taking necessary steps at the time while meeting the need for investment and different types of insurance policies. Housewives should also understand the importance of insurance policy, especially health insurance policy. In most of the houses, housewives keep the accounts of household expenses for running the household. In such a situation, if a member of the household suddenly encounters some disease or if they themselves become pregnant, then it is natural for the budget to go wrong.
In such a situation, health insurance is very useful. Recently, a survey has revealed that most of the Indian housewives do not do their regular health checkup, due to which their small health programs take a big form and then there is no way other than going to the hospital. Breast cancer, uterus cancer, etc. are common problems in women. Health insurance policy also covers expenses incurred on treating all these problems along with maternal health. The main advantages of health insurance policy for women are:
Economic Strength
When the expenses on the disease will be saved, it is natural that your budget will also be strong, so that you will be able to plan a good future for yourself along with your family and children.
Critical illness
More and more women are being affected by the changing lifestyle. Problems of breast cancer, ovarian cancer, vaginal cancer etc. are increasing day by day. Large amount has to be spent on the treatment of these. Health insurance becomes your financial base at such a time and reduces your burden.
Maternity expenses
The result of lifestyle changes is that the cost of maternity has increased a lot these days. The mother has to undergo a lot of physical changes before and after delivery. In such a situation, apart from being an admission in the hospital, the expenses before and after delivery are very high, which is enough to spoil the budget of the middle class family. In such a situation, while taking health insurance, also get complete information about maternity cover so that you can live the feeling of becoming a mother.
Tax Benefit
If you are a working woman, then you will get the tax benefit of health insurance and if you are a housewife then your husband. Therefore, if you take health insurance policy, then you will get help in managing your budget in a better way. Therefore, take insurance policy thinking and keeping in mind your needs.
No Comment