How To Find Affordable Health Insurance And Protect Your Family From Heavy Medical Expenses?

Health insurance is a must for every individual because of the heavy health risks that people face. Lifestyle hazards, poor living conditions and rise in different viruses has led to increase in health problems, resulting in a minor or major treatment expenses. When such expenses arise they can put a severe dent on the finances. Even small day-care procedures can be expensive.  With heath insurance these expenses can be curtailed enabling you and your family to cope with the situation.

How Does A Health Policy Protect You And Your Family?

You can easily find affordable health insurance because a basic policy is not expensive. The policy offers a wide range of benefits that help you out when a sudden medical problem strikes. Monthly premiums are low and will easily fit into your budget. There is no need to take any medical tests to avail it if you are 55 and below. Here is a look at what kind of coverage you get from a basic health policy:

·         It offers payment for medical treatment and hospitalization

·         It covers for pre-hospitalization and post-hospitalization expenses

·         It pays for day-care procedures

·         It offers compensation for room rent

·         It gives a lump sum for critical illness

These are some of the many benefits offered in a basic policy. There are so many additional benefits that you can opt which will curb expenses that are likely to arise when getting treatment. The add-ons are not expensive and give immense assistance in the event of a hospitalization or day-care treatment. Before signing up for the policy, check if it offers cashless coverage. When you have this cover, you can take treatment in any of the hospitals that fall under the insurer’s network but without the hassle of settling the bill. Just show your insurance card at the hospital and take treatment. Since the insurance company will pay the hospital directly for medical expenses, you will not have to make arrangements for cash before getting admitted. There is also no need to fill claims form for getting compensation. 

How to make a claim?

If you have availed treatment from any hospital outside your insurance provider’s coverage network, you have to fill the claims form to file the claim from the policy. Insurance claims can be made by filling the claims form available in the insurance company’s website. All supporting documents have to be provided so that the claim can be processed. If you don’t know what documents to send, check out details in the website or call customer care to find out.