Health Insurance Guide

Get answer of all your queries related to Health Insurance!

Health Insurance Guidelines

Health Insurance Guide will enlighten you on how insurance influences your life and what all features of a health policy you should or shouldn't opt for.

Choosing a Plan Individual or Family-floater?

Choosing the right health insurance plan is a bit confusing, so one should follow the comparison approach to choose between an individual health insurance plan or a health insurance plan for a family and decide on the basis of the need, benefits, preferences, and who all need to be covered in the plan.

Coverage Amount (sum insured)

Once you pick the health insurance plan that you seek to buy, the next important feature to choose is the Sum Insured (SI) or the coverage amount of your policy. Here, again the great confusion resumes. The market rule states that health insurance coverage should be 2 times your annual income.

Waiting period for pre-existing conditions

Waiting period is something that is a part and parcel of almost all health insurance policies. So, you cannot avoid it. for all the pre-existing diseases the insurer will levy a waiting period that you have to undergo, which can be of 1 to 4 years. So, you can avail the insurance benefits for your existing diseases only after completing the waiting period.

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