Checklist for Buying Health Insurance
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After witnessing the financial hardships your neighbors went through on their son’s hospitalization, you have chose to opt for Buying Health Insurance. But on seeing the wide variety of mediclaim policies that are available in the market, you find yourself confused, worried and desperate for some sort of help!
In your quest for an affordable health Insurance, there is a very high possibility that you end up focusing on the premium cost alone and ignore the other requisites such as exclusions (diseases not covered), policy sub limits and so on. Most era, even Health Insurance agents desist from charitable out full information in regards with a mediclaim policy, the best option in era like this is to opt for a knowledgeable Health Insurance Adviser!
But in case, you aren’t willing to opt for a Health Insurance Adviser, here is a list of things that you must keep an eye out for when you are looking to buy Health Insurance in India,
Payment Options
Payment options are the first thing that you should look out for, other than the Premiums, when you want to buy a mediclaim policy. You must check whether the Health Insurance Company prefers the ‘Cashless’ method of payment or prefers to reimburse your dues after the claim has been filed for.
Though most Health Insurance companies now-a-days offer the Cashless facility as a payment option, it is best if you inquire beforehand as the cashless mode of payment offers you a hassle-free route of claiming your due.
What to look out for: Health Insurance Companies that favor the Cashless mode of payment.
Network Hospitals
Network Hospitals is a group of hospitals that have tied up with a Health Insurance Company or a TPA (Third Party Administrator). The main benefit offered by the Network hospitals is that they offer top quality service 24/7 which comes in handy in case of emergencies. Another benefit provided by the Network Hospitals is that they offer the cashless facility that lets you get admitted for free and thus reduces the financial burden on you during the hospitalization.
What to look out for: Opt for a health Insurance Company that has a higher digit of Network Hospitals which again include a high digit of apparent hospitals.
List of Exclusions
Another vital thing that you must pay attention to when
