Health insurance: Health insurance is no longer an option, but has become a need. It is very important to have a better health insurance plan to avoid constantly increasing medical inflation and sudden upcoming treatment expenses. However, it is not easy to choose the right plan from dozens of options in the market.
Here we are telling 6 such important things, keeping in mind that you can choose the most suitable health insurance policy for yourself and your family:
1. Take the plan according to the requirement
If you just want insurance for yourself, then take an individual health plan. If the whole family is to be included in the same plan, then the family floater policy is better.
2. Compare companies
The premium, cover and facilities of each insurance company are different. So compare 3-4 plans before trusting one company. With this, you will be able to choose a better option according to the budget.
3. See Claim Settlement Ratio
The claim settlement ratio shows how many claims that the company gets. More ratio means more reliable company. Always give priority to a company with 95 percent or more ratio.
4. Coverage is not limited to hospitals just
A good health plan is the same, in addition to being admitted to the hospital, it will also cover services like OPD expenses, medicines, home care, tele-culture. Choose Comprehensive Plan, so that you get maximum benefits.
5. What is not a cover, definitely read
Every policy has some diseases or treatment exclude, that is, insurance does not apply to them. Read the Exclusion List carefully before purchasing, so that there is no problem later.
6. Pre and post hospitalization coverage
Take such a plan, which will cover the expenses before being admitted to the hospital and after the leave. In the ideal situation, the plan should have 60-90 days pre and 120-180 days post hospital coverage.
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