The Best Health Insurance Policy
After the corona pandemic outbreak, medical insurance is a new normal. People in India are also getting conscious of their well-being and their rising costs. Increasing awareness about well-being helps people understand how crucial it is to opt for the best health insurance policy that acts as a savior during medical emergencies. But, do you know selecting the right medical insurance plan is as essential as having the best medical insurance? At times, despite having the medical insurance plan, policyholders did not get the claim, and the reasons may vary. So, to avoid last-minute chaos, it’s always advisable to wisely opt for the medical insurance policy.
Steps to Find the Best Health Insurance Plan in India
Here are some jiffy steps that help you to opt for the best medical insurance plan:
Visit the Official Websites
The easiest thing you can do while sitting safely in your home is to visit as many sites of health insurance companies as you can. These days, most of the leading companies publish their plans and details on their official websites. You need to fill a query form, and within a few seconds, you get the quote and call from the customer support team. You can clear your queries and move ahead accordingly.
Scope of Coverage (Policy Inclusions)
Now, your next step is to check the scope of the policy coverage. Read the inclusions and see what types of diseases/ treatments/ medical procedures/and conditions, cover under medical insurance plans. Leading medical insurance companies like Care Health Insurance, HDFC Ergo, etc. also covers advanced and AYUSH treatment.
After inclusions, you should also read about the exclusions of the medical insurance policy. Exclusions are the conditions, diseases, medical procedures, and treatments that are not covered under the medical insurance policy. You will not get the claim for the same.
Know the Benefits
Ideally, medical insurance should offer in-patient hospitalization, pre, and post-hospitalization, daycare treatments, domiciliary hospitalization, ambulance cover, annual health check-up benefits, etc. Moreover, check if the company offers add-on benefits like cover for chemotherapy, dialysis, international second opinion, reduction in waiting-period, and more. It helps you to enhance the coverage.