Buying one health insurance is a tough task when a lot of
companies are selling it with great offers and benefits. There are numerous of
plans, offers to attract the customers and mostly befuddle them.Here are a few
things you should definitely check and know before falling for a health
insurance deal:
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1. Claiming procedure:
The claim process of the company should not be much
complicated as it will cause a huge delay in settlement of claim. Health
insurance is one of the most important types and you cannot risk your or life
of your family by making it difficult. The simpler the claiming procedure the
easier is claim settlement. Examine their process carefully and then decide.
2. Customer Support:
A 24*7 customer service is mandatory for health insurance.
In case of any misunderstanding in the hospital the customer care executive
should be present to handle such situations. Research about the company and
their way of dealing with customers.
3. Waiting period:
Mostly insurance companies provide a waiting period for any
previous ailment. This can range from one to around six years depending on your
age and type of disease. The best way to avert this issue is to buy a health
insurance plan in youth so that you can easily clear the waiting period.
4. Pre/Post Hospitalisation:
There are numerous of expenses added with Hospitalisation
which include medicines, tests and doctor’s follow up. Make sure that your
insurance plan covers these expenses too. From Hospitalisation of a patient to
their discharge health insurance should cover all of the expenses. There should
not be too much of burden on your side.
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5. Insurance amount:
The most important decision to make is deciding on a right
insurance amount. The right choice of amount shall only cover expenses. Take
your age, health condition, salary levels in consideration before making a
decision. The amount shouldn’t be too high for you to afford nor too less as
you do not need a shortage of amount in emergency.
6. Family insurance:
In choosing a health insurance plan make sure that you
insure your family members along with you. Decide the insurance amount by
considering their age, existing or previous ailments.
7. Network hospitals:
The most important thing is to check their network
hospitals. Mostly hospitals provide cashless options and the bills or receipts
of all expenses are settled directly with the insurers. Make sure to ask the
insurer about the network hospitals where this cashless system is available.
Health insurance schemes are designed so to protect you and
your family in adversities but often we become forgetful of examining it by
falling for the words of company. Avoid such hassles and make a list of
questions you need to know from them and decide discreetly.
Article Source: http://EzineArticles.com/9853627
