How to Choose the Best Health Insurance Policy?

Choosing the best health insurance policy is a tough & confusing task. A bunch of questions pop-up in our mind while choosing a particular mediclaim policy. In other context, the shocking truth is that only one Indian out of five has medical insurance. Medical costs are rising rapidly.

Getting health insurance has become a must for all of us. But the question that still remains is how do we choose the best health insurance policy? Certain things have to be given special priority while choosing the best health insurance in India.

Do consider the following points discussed below if you want to choose the best health insurance policy for you or your loved ones.

• Consider the Coverage: The more the coverage, the better. It is advisable to go for a health insurance policy that offers coverage for maximum illnesses. Consider a health cover that provides the insured person with 100% of the Sum Insured as a lump sum payment at the time of major surgeries.
• Critical Illness Cover: It is essential for you to consider critical illness cover before buying a mediclaim policy. It is also important that you only pick the health insurance plans that offer you protection, regardless of the claims of your policy. Select a critical illness cover which includes serious medical conditions such as Cancer, Paralysis, Lung Diseases, etc. among others.
• Co-Pay Option: Before opting for a mediclaim policy, it is advisable that you find out whether the insurer offers co-pay option for the health insurance plans. With co-pay option, the health insurance company agrees to pay a pre-defined portion of your hospital expenses while you’ll have to pay a specific amount before the treatment process begins. It may be helpful in reducing health insurance premium.
• Pre-Existing Disease Coverage Options: Before choosing your health insurance policy, it is important to review the health insurance plans to find out the coverage for pre-existing diseases. Always go for the health insurance companies that offer coverage for a wide range of pre-existing conditions.
• Presence of Cashless Hospitals: Give extra priority to the health insurance policies that support cashless hospitals. At the time of medical emergency, cashless hospitals may prove to be a blessing. The insured person has to flash an insurance ID card provided by the health insurance company to get admitted to the hospital.
• Compare Health Insurance: Nowadays there’s no lack of health insurance providers in India. But not every insurer will present to you the best mediclaim policies. In the past, we had to rely on our agents very much to settle for the health insurance policy. But now in present, you don’t have to be dependent on anyone in terms of buying or renewing health insurance. All the health insurance providers are available online and you can compare them on the basis of your needs and premium. After the easy and fast comparison of various mediclaim policies, you can be sure to procure the best health insurance online.

If you are on the lookout for a good yet comprehensive and affordable health insurance plan for yourself or family, simply click here and avail the best health cover.

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