How to choose health insurance in India
9 May 2018
How to choose health insurance in India?
India is a country of diverse people with diverse needs. Hence there are numerous health insurance plans available in the market to ful-fill every individuals needs. Picking out the best health insurance online in India is a tough task because there are numerous companies offering a range of insurance policies. Due to lack of information amongst the people of the country, many insurance holders are not happy with their health insurance plans.
If you are also looking to buy health insurance in India and have little information on the same, this blog we can help you. Here are a few things that you need to keep in mind when you buy health insurance in India for your family members and yourself.
- Decide the type
As we said, there is a huge variety of health insurance available in the country, and you need to decide which one is the best for you. There are family floater plans, individual insurance and retirement plans. Additionally, there are separate covers that can be bought with these insurance that will enhance their effectiveness.
- Know Your Coverage
The second thing to consider is your coverage. You need to decide the coverage of your health insurance. See how much money you may need to pay for your forthcoming health bills. Also, it is always better to buy a bigger coverage if you have a family floater plan since it has to cover the cost of your entire family.
- Pick the Right Company
It is important to pick the right insurance company so that you are not fooled. Make sure the company you pick has a name in the industry and is trustworthy. Also, check the claim settlement ratio of the company before you buy the insurance.
- Stay Safe from Agents
Do not trust agents unless you know them personally. Agents can fool you into buying a plan by hiding its terms and conditions from you. not It is always better to check all the terms of the policy yourself at the company website and then buy the health insurance plan.
- Read the Customer Reviews
Do not ignore customer reviews. Customer reviews are the best way of knowing how good the insurance plan is for your family and you. There is always a hidden clause in the insurance plan. Hence with customer reviews, you can easily get to know about the same.
- Know The Terms and Conditions
The terms and conditions of the plan are an important part that you must thoroughly go through. Hence make sure you have gone through all the conditions or any other hidden clauses before you sign the policy papers. Read all the inclusions and exclusions in the insurance policy. Also, you should know the claiming procedure thoroughly so that you do not face any problems in the future.
- Buy the Plan
The last step is to buy the plan. Do not pay for the policy unless all your papers have been confirmed and accepted by the company. Remember to take your policy papers and make sure you get a health card within 15 days of purchase.
To sum up
These steps help you to buy the right health insurance for your family and you. It is also important to educate all the members of your family about health insurance and the cautions you will need to follow while buying it. Additionally, it is also essential for you to read all the terms and conditions of any health insurance India correctly before you buy them. So, stay safe and buy the best health policy for you.
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