We have been taught right from our childhood that health is wealth. A health insurance policy that is smart will help you practice this idea. Not only insurance plan covers serious illness, surgery and huge expenditure of a sudden, he is also likely to concern smaller as regular health check-ups. So, if you choose your plan wisely, you are covered for every possible not only great but also equipped to carry out preventive measures is important.
Make this option, however, can be an enormous task, because of the sheer volume of options at hand and little things innumerable you should keep an eye out for. So here are some guidelines to make this important task a little easier for you.
Planner type you can choose between Basic and comprehensive package. The former have a lower monthly rate but includes only minor injuries and illnesses. The latter will have a higher level of monthly, but will keep you covered for all major events including critical illness maternity and regular audits. In India, there are policies that are available separately for individual, family and Floater, Senior Citizen and Critical Illness. A good policy will be what it covers all of these areas with a reasonable premium deducted.
Assessment of the Company-insurance Along with careful study of the health insurance plan, you should also look into the insurance company. Check how long they have been in business, their customer satisfaction ratings, how fast their service and if they provide services with minimal hassle and documentation.
The most important feature that you should look for-a good cover must necessarily include all of the following benefits
- Cashless treatment except in the case of voluntary discounts
- Covering pre and post hospitalization expenses, ranging from 30 to 60 days, depending on the plan choosing
- Renewal benefits in the form of no claims bonus or discount on the premium.
- Tax rebates, according to the guidelines under Section 80D of Income Tax Act
- Critical illness cover, under certain conditions
How did you finally decide, refers to the following check-list when finally the emphasis on your policy, after careful comparison:
- It does not have to be cheap, but it should be value for money through maximum coverage
- It should have a lifetime, or very high, more welcoming for many conditions appear after a certain age when you might be retired
- Provisions for co-payments, caps and sub-limits so you can chip periodically and prevent large premium later
Keeping the basic ideas in mind will go a long way in helping you find a health insurance policy that is value for money. It is important to remember that the cheapest option is not the best option. Corresponding benefits and cover for all members of the family should be a major factor. Stay healthy!
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