The global pandemic had a significant impact on the livelihood of many people around the globe. The rise in the number of pandemic cases led to a lockdown and precautions regarding health and sanitization. In such times it becomes even more necessary to plan your’s and your family’s future. Comprehensive can safeguard your future amid the pandemic. Even though you’re stuck at home, you can easily find the best health insurance app online in India. Numerous insurance companies offer policies for critical illness coverage and chronic diseases. You can check all such companies’ terms and policies and choose the one that suits your needs. So, let’s look at the factors that you need to consider while getting a health plan.
Check Network Hospitals
Your medical insurance company should have the right tie-up with all the network hospitals. It is an important thing to check in a health plan. This will ensure that you will be allowed to get cashless treatment facilities in these hospitals. Hence, you need to see how many such hospitals are located near your residence when choosing from the list. When you require medical help, the health plan will cover all your medical expenses if you ever get treated by these network hospitals.
Health Plan Coverage
When you plan on getting a health plan, you need to look at the plan’s inclusions. You need to know what kind of illness and treatments and conditions are included in the policy. Many health insurance companies provide a wide variety of facilities, including in-patient hospitalization, pre, and post-hospitalization, ambulance cover, daycare treatments, domiciliary hospitalization, etc.
Check what the plan does not cover.
Not just the inclusions, but you also need to check the exclusions of the health plan. Exclusions are the conditions, illnesses, medical procedures, and treatments that will not be covered under a health plan. It is necessary to be aware of all these details as you do not claim the same. So, before you make a final decision, you need to choose a health plan with minimal exclusions and cover all the important ones.
Health Insurance Premium Calculator
All leading health insurance companies have aonline on their official websites or insurance apps. To calculate, you first need to fill in all the details; you will get the quote, including the premium amount. You can apply for a comprehensive health plan on the Finserv MARKETS app, where you can visit their health insurance premium calculator and go about getting your quote on the premium amount.
Read Online Reviews
To check the medical insurance company’s authenticity, you can always check online and read through the feedback and reviews. These online customer reviews will give you an insight into how the process and policy claim worked for everyone. You get to know about the health insurance company’s credibility, claim settlement process, customer services, etc. If there are more negative reviews than positive ones, you can always back off such health insurance companies. Moreover, you can also check the online rating of the company and proceed accordingly.
Keep in mind that other factors like a waiting period, co-payment clause, sum insured, sub-limit, claim process, etc. These factors are equally important and need to be considered when getting a health plan to protect your family’s future. That’s why it is crucial to choose the best health plan that provides coverage against critical ailments during the pandemic. In the case of a medical emergency, you will be financially prepared to get the best possible treatments without any worry.