3 min read
Updated on Nov 29, 2022
If you weren’t already sold on the idea of getting a health insurance plan, the coronavirus pandemic has made an even stronger case for the same. There were several instances where infected people did not have adequate financial assistance for proper treatment. Having a health insurance plan with good coverage will ensure that you and your loved ones get the right treatment.
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Before buying, if you compare health insurance, there are a lot of benefits for you. The following are some of these benefits:
There are different ways by which you can compare health plans before buying them. For starters, you can visit the website of individual insurance providers and go through their policy details. Or you can take the smarter approach of visiting an insurance broker, providing some essential policy-related information, and start comparing.
Now that you know how to compare policies, the next logical step is to know what to compare when you view different policies. Here are a few crucial points to consider.
All the insurance companies have tie-ups with hospitals. Should a policyholder visit any of these hospitals for treatment, they can avail of cashless benefits. Wherein they do not have to pay anything from their pockets.
You can check the different scenarios and conditions that the policy covers and the ones that it does not cover. For example, daycare procedures, pre and post-hospitalization, critical illness, maternity expenses, etc. If all of these are included in the policy or you need to buy additional coverage for some of them.
Health insurance policies usually have waiting periods wherein you cannot claim the policy. Look for a policy with a lower waiting period. Also, look for a policy that offers renewal options for a longer duration. This will enable you to have the policy coverage for your older years, where it really matters.
You need to compare a health plan to zero down on something that suits your needs. And not just pick something that your friend has bought. The above steps will aid you in that process.
Also read: Must Follow Health Insurance Comparison Guide to buy best Health Insurance Policy online in India
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