buy health insurance
The lack of adequate information about health insurance has given rise to many myths and misconceptions about the same. While health insurance is an absolute must for everyone, there are certain misconceptions that prevent people from taking it. The most damaging misconception about health insurance is that if you are healthy, you do not need to buy any health plan. Before you opt for a policy, you need to understand the truth about health insurance and get rid of these myths.
A health insurance policy has a feature which allows policyholders to switch to better policy terms and benefits. It is known as 'portability'. This benefit can be exercised by the policyholders while making a switch from one insurer to another. Health insurance portability means shifting health insurance policy from one health insurance company to another, or from one health policy to another. Know all benefits and rules of portability of health insurance in India.
The claims process for treatment at a cashless network hospital varies according to the type of treatment – Planned or Unplanned. Unplanned medical treatment at a cashless network hospital usually happens in case of an emergency. Buying insurance is seamless. However, claiming insurance can be challenging. To make it easier for you, here’s a breakdown of the process of making a health insurance claim.
Once you have insured your family under the most idyllic health care plan, you also have the responsibility to renew it promptly before the deadline expires. So, if your health insurance policy’s renewal date is nearing, you should immediately get it renewed without further delay. Read here the crucial points to remember before renewing health insurance policy.
Health insurance co-pay refers to an arrangement in which the policyholder will need to pay a portion of the medical expenses on their own and the insurance company will pay the remaining amount. The co-pay amount is usually a fixed amount for a covered service which depends on the nature of treatment or medication required. Even though you might find a health insurance plan with a co-payment clause much more affordable, you must determine your coverage requirements before opting for it.
The need for health insurance differs from one person to another. Ability to pay premium is an important factor while deciding the extent of health insurance cover that you will need. If you are wondering about how much health insurance you would need, Here are several factors need to be understood to determine the exact coverage requirements.
A health insurance inclusion means the type of services/procedures that are covered under your health insurance policy. The coverage offered by a health insurance policy is subject to the type of policy and the insurance provider. Diseases Covered Under Mediclaim: Besides hospitalization expenses, the diseases covered under mediclaim policies commonly include pre-existing ailments, cataract surgeries, hernia, piles, and sinusitis etc.
Documentation is one of the main aspects which needs to be considered before purchasing a health insurance plan. It will help you to make the whole process of purchasing quicker and smoother. Documents required while buying health insurance plans, Voter ID Card , Pan Card , Aadhaar Card ,Driving License, Passport ,Birth certificate, etc. For your better understanding, here we have mentioned the list of all the documents which you would need while buying a health insurance plan.
A Health insurance policy is a contract between the insurance company and the policyholder, wherein the insurer pays for the medical expenses incurred by the life insured. Under this, one can avail of the benefits of reimbursement of medical expenses or cashless treatment as mentioned in the health policy. Check out the best Medical Insurance plans offered by top insurers in India. Find the right health policies with low premium & better benefits.