Health insurance is not a matter of joke, and hence must be planned for. There are so many conditions and plans to be kept in mind while choosing the proper health insurance. It is important to research properly in terms of the benefits offered and the premiums that have to be paid. Consulting a broker is a good idea since he or she will give you the best advice as per your requirements.
Important Pointers to Remember:
One of the things that need to be done is compare the features and prices before purchasing. Some policies can cost more than another but will provide fewer benefits. In case one is trying to get insurance for the whole family, there will be specific floater health insurances. These are economical and cover benefits for the whole family. This is also more flexible than other types of health insurance.
Any family member, during any health crisis, will qualify for the insurance policy. One should also read the terms and conditions. There may be some terms one can agree or will not agree with. Again, a broker will provide the best advice as to which combination of benefits should be opted for.
It is important not to adopt any insurance policy that has a cashless tie up with particular health facilities. This is because insurance companies can empanel the hospital concerned. It is important to look for a policy that covers your basic requirements. There are hospitals that one can find out are being empanelled by the insurance company and one can choose according to the hospital that is the most required by the individual.
It is advisable to get the insurance from the broker. One should not forget to check whether the broker is a credible one and check all details as per the IRDA web site. The brokers are generally independent and paid according to the policy they sell. Hence, they can be easily trusted. Agents can be problematic.
Some will push benefits that are costly and generally not required. It is essential to be honest at all times during purchasing of the policy especially in the declaration form. Genuine claims must be made. A healthy lifestyle is required. This ensures that the premiums are affordable and covers all risks.
If there is already a disease that one is suffering from, precautions can be taken by applying for the insurance plan in the appropriate time. There are specific policies for this purpose.