How to find yourself the best health insurance plan in India

by Alton Duke Health Insurance

The market today comes with so many corporate offerings only to promise you with the best health insurance plans. But how sure are you? Don’t make hasty decisions as it’s your own money and you should know where you are exactly investing it. Don’t let your advisor fool you through his words of mouth. Most of the advisors come with a pretty confident look and are good orators. They may be quite convincing as well as confusing. But you are clever and you should not be getting trapped. To help you find the best health insurance plan in India, I am listing below some of the guideline steps you must follow before you take up any health insurance plan.

STEP-1

Make sure that the song sung by your advisor is relevant to you. Often the advisors come up with thousands of details claiming the best plan. Remember that too many information may confuse you and may lead you to forget your actual purpose. Advisors talk in a fluent way so as not to give you a chance even to think. Forget about talking! Don’t worry you can deal with such situation. Ask the advisor to talk slowly and cut the long story short. Don’t let the advisor turn the table to his side.

STEP-2

Your advisor always visits you with prior appointment. Before he visits you, sit down alone or with your family to decide upon the requirement of the health insurance and chalk out your needs. For further and in-detailed information about the same you can google it. On the day when your advisor visits you, be attentive, maintain an acute eye-contact and remain calm inside to find loopholes. Or, you can take up online insurance plans, where you are the ultimate decision maker.

STEP-3

Even the health insurances come with variety. Go through them. You can easily scan the list of available plans on the internet. Always go for the plans that cover the widest range of necessary benefits. The common available varieties of health insurances are- self cover, family care, senior citizen cover, emergency care, hospital care, maternity cover, diabetic cover and so on. In order to get the most of the plans judge your needs-select the most suitable plan-go for it!

STEP-4

In the process of getting the best out of any insurance plan, you must get an idea of how much cover will be appropriate to serve your needs. Remember you are taking up the health insurance in order to cut down the huge medical expenses that may sometimes lead to bankruptcy. Each one of us come with unique medical needs dealing with short or prolonged hospitalization. Therefore, make sure u get the maximum out of your health insurance plan.

STEP-5

Fixing the budget for the plan is not always enough. You must also check into the premium amount (monthly or yearly). As it is to be payable by you, you must decide whether or not its pocket friendly to you. There are online calculators to help you guide with the insurance cover amount keeping in mind your health, job hazards, marital status and your age to provide you with the best health insurance plan in India.