Does Your Health Insurance Policy Offer These Benefits?

If you are buying a health insurance for your individual self or your family, you should do some good amount of research in order to ensure that you do not regret the plan after a couple of years at the time of claim. So make your job of purchasing a health cover easier, make sure that the health insurance plan you are opting for offer the following features. Keep in mind that these are some of the basis important features that the top mediclaim insurance plans must include.

Coverage for Critical Illnesses: It is imperative for you to mull over the critical illness cover option prior to buying a health insurance policy. It is also crucial to opt for the health covers that offer protection regardless of the claims of your policy. Make sure that you're opting for critical illness cover which includes serious medical conditions like Cancer, Paralysis, Lung Diseases, etc., among others. The higher numbers of critical illnesses are covered under a plan the better it is for you.

Cashless Treatment Facility: Give additional priority to the health insurance policies that support cashless hospitalization. At the time of medical emergency or hospitalization, cashless hospitals may prove to be a blessing. The insured person has to show an ID card provided by the insurer to get admitted into the hospital. The treatment will be done and the medical bills will be settled by your insurer directly with the hospital without you having to pay a single penny from your own pocket.

Coverage for Pre-existing Disease: Before choosing your health insurance policy or online health insurer, it is vital to review the health insurance plans to find out whether it offers coverage for pre-existing diseases. Also, go for the insurer that imposes the lowest waiting period for pre-existing diseases. This waiting period for health insurance may vary from one insurance company to another.

Comprehensive Protection: Does your health insurance offer comprehensive protection against unforeseen health conditions? It is important to choose a health insurance policy that covers an assortment of illnesses. In this case, the insured person should be provided with 100% of the Sum Insured as a Lump Sum payment by the health insurance companies at the time of major surgeries. Some health insurance plans also come with restoration benefits which restore the entire Sum Insured amount when you exhaust it in a policy period.

You can click here if you are looking for an ideal health insurance plan that suits best yours and your family’s requirements. Make sure that you compare different medical insurance policies with different top insurance companies in India to avail the best coverage at the lowest premium.

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Created on Jul 9th 2020 00:13. Viewed 450 times.

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