Health Insurance Plans
DHFL general insurance offers the best health insurance, at low costs premiums. Get Health coverage for you and your family with easy avail of claims, lower waiting periods and the best medical daycare procedures. All these benefits and the insurance plans are now just a click away from you.
DHFL general insurance offers the best health insurance, at low costs premiums. Get Health coverage for you and your family with easy avail of claims, lower waiting periods and the best medical daycare procedures. All these benefits and the insurance plans are now just a click away from you.
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6 things to watch out for when<br />
purchasing a health insurance plans.
Having a health insurance plans is a must. It will ensure that when a<br />
serious illness comes knocking, you’ll be financially prepared handle it.<br />
However, with so many options available to you, finding the right plan might<br />
seem like a slightly daunting task. The confusing jargon and policy terms<br />
only make things worse.<br />
Fortunately, the process can be made a little easier by keeping some<br />
factors in mind – this article will highlight 6 of these factors to ensure you<br />
zero-in on the right plan for your needs.
1. Look at the process of making a claim.<br />
Different insurers have different claim processes. If it possible, try and<br />
compare the ease & time taken for settlement of the various insurance plans.<br />
Also, some insurers have cashless facility while some provide reimbursement,<br />
depending on your needs, choose the one best suited.<br />
2. The insurance amount.<br />
Buying the right amount of cover is vital. If you do not give this aspect enough<br />
thought, you might end up being over insured or under insured, both of which<br />
are not ideal. Over insured means you are paying for cover you don’t need<br />
and being under insured could result in a shortfall of cover when you need it.<br />
Therefore, when buying a plan, keep in mind your age, your income capacity,<br />
the need and cost of add-on covers, etc. when fixing the insurance amount of<br />
your health insurance plans.
4. Is maternity covered?<br />
With the cost of pregnancy going through the roof, it makes sense for women<br />
to buy a health insurance plan that covers maternity expenses. The plan<br />
should have a reasonable waiting list, if any at all. It should also cover all<br />
outpatient, consultancy & check-up costs.<br />
5. Pre and post hospitalization cover.<br />
A good health insurance plan should provide you comprehensive cover. Any<br />
and all expenses before being hospitalized should also be covered, such as<br />
doctor consultations, diagnostic checks, etc. After being discharges, the plan<br />
should also cover follow-up visits, the cost of medicines, etc.
6. No-claim bonus.<br />
Some plans come with a no claim bonus or cumulative benefits. Under this<br />
feature, health insurance companies offer to increase the sum insured at no<br />
added premiums or provide discounts on the premium for every year you go<br />
without making a claim. The working of this feature differs from one insurer to<br />
the next, so make sure you check this point.<br />
These are some of the main points you should cross-check before buying a<br />
health insurance plans. Besides these things, there are quite a few other<br />
points that require some research so make sure you’ve covered all the bases<br />
before you buy a plan.<br />
Hope this article has been helpful, good luck and all the best!
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