Consider These 4 Things While Buying Health Insurance in India

Health Insurance holds substantial significance in India. A medical policy keeps you in a safe zone against any financial crisis in the event of an unforeseen illness. Making sure that the health of yours and your family is on the right track should be your very first responsibility.

Since we are all human and none can foresee through the time or calculate the medical bills beforehand, it’s always wise to keep a layer of protection built before any health issue can touch you.

But before you set out to buy health insurance online, make sure you have considered a number of important factors as mentioned below to avail the best coverage for the best price.

·       Coverage Offered: The maximum coverage you are being offered under a particular medical insurance plan the better it would be for you in case of a medical emergency.

Make sure that you choose a health insurance policy or policy provider that offers coverage against a large list of illnesses. Make sure that the mediclaim policy you choose to buy offers 100% of the Sum Insured as a lump sum payment at the time of major surgeries.

·       Coverage for Critical Illnesses: It is indispensable for you to mull over critical illness cover prior to purchasing any medical insurance policy from an insurer. In addition to this, it is equally important that you only pick the health insurance plans that offer you protection irrespective of the claims in a policy year. Choose a critical illness cover which includes serious medical conditions such as Paralysis, Cancer, Lung Diseases, etc.

·       Presence of Cashless Hospitals: Prioritize those health insurers that offer cashless hospitalization with their medical insurance plans. In case of an emergency, a cashless hospital can be a huge savior. All you have to do is just flash an ID card provided by your health insurance company at the hospital to start the medical procedures without any hassle.

• Coverage for Pre-existing Disease: Right before you zero in on a particular medical insurance plan, make sure that the policy offers coverage for pre-existing illnesses or diseases. Plus, also ensure that the waiting period imposed on the pre-existing condition is lesser than other plans by comparing health insurance.

So if you are looking for a health insurance plan that offers the best coverage at a lower premium, simply click here and compare different health insurance plans to avail the best.

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Created on Jun 20th 2019 04:37. Viewed 384 times.

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