In the era of Corona epidemic, the need for health insurance policy has increased considerably. But when choosing a policy, do not just choose a breathtaking or cheap plan, but choose a plan with full coverage.
It is a big responsibility to keep yourself and family safe from the clutches of diseases during the Corona period. Also, arranging the expenses incurred on this is also a big challenge. In such a situation, if you choose the right health insurance policy, then these expenses on medical can be avoided. But the question comes, what health policies should be taken. Because these days many different companies are offering a lot of offers on the policy. In such a situation, it is very important to keep some things in mind while taking insurance.
Which diseases will get coverage
Before taking an insurance policy, it is very important to know what diseases are covered in it. For this, check the list of health insurance scheme. For example, whether a claim will be found in dental surgery, pregnancy or problems occurring during this period, cancer or any other disease etc. Apart from this, serious diseases like corona etc. are included in it or not. Take a policy after seeing all this.
Check the company claim settlement ratio
Many times health insurance companies make many claims to sell the policy. But when it comes time to take the claim, they start to say many conditions. Due to which many beneficiaries are not able to take the benefit of the claim. So before buying the policy, check the claim settlement ratio of the company. With this, you will know how many people have paid the treatment expenses so far. If the company gives the claim to more people then it means that the company selling the policy is right.
Check the payment process
Many times the health insurance company gives money at the time of claim settlement but it takes a lot of time. In such a situation, you do not get immediate benefits if needed. So check the payment process to see if there is cashless approval in it. Also, how much is the limit on payment when admitted to a hospital or ICU. Try to choose an insurance policy that covers your entire treatment upon your hospitalization. Do not buy the policy just by looking at the premiums cheaper.
Also read: How to convert a normal bank account into a Jan Dhan account, know the easy way
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