Hi all of u myself Manohar patil I just going to write a blog for
u about insurance when we go for health insurance then we have to lots of
questions in our mind. Like which type of insurance? which company is good for
health insurance? Which package is good for us? Abcd all questions in our mind but here I
give all of you a solution for u that what are the things we remember when we go for
health insurance.
First important thing
is
1. Health coverage
Health coverage is
most important things in health insurance Is Accident expenses,
outpatient treatment expenses, ambulance charges, maternity care and surgery
are some of the essentials that a basic health plan should comprise of.
Second important thing is
Second important thing is
2. Health Insurance benefits
Health insurance
benefits are most important factor in health insurance what types of benefits
are there in health insurance?
Third important thing
is
3. Maximum renewal age
When you buy health
insurance to avert the rising health care payout in the old age. If the
policy is terminated well before the time you need it the most, there is no use
of buying it. Right the way for health insurance we required maximum renewal
age.
4. Co-pay limit in
each treatment
In each treatment
insurance company should pay all amounts to hospital expenses like ambulance,
surgery, operation expenses. its most important thing in health
insurance.
5. sum assurance
amount should be upgrade
 |
| HEALTH INSURANCE |
Medical inflation on
the increase of 17 to 20% annually can leave your present sum insured obsolete
in the coming years. The insurance company should provide the option of
upgrading the sum insured at later stages would be a viable choice.
6 change in premium
Premium amount
increases with the increase in your age. Besides this rate chart, you should be
kept informed of all factors that can lead to increase or decrease in your cost
of availing services .It should all responsibility for insurance company to
provide u all information about the increase or decrease of your premium.
7. Freedom of choosing
a health care provider
This liberty would
help you to avail the health treatment as per your preferences and not
according to your health insurance provider. It’s should according to your
requirements.
8. Claims allowed
annually and claim procedure
Although all insurance
companies work on similar lines with the rules laid by IRDA, there should be claims
allowed annually and claim procedure also simple.
9. Cashless hospitalization
If there is you have any issues it should be solving cashless
or without fees…
10. Exclusions and
waiting period
You buy a health plan
for specific coverage but chances stand that insurance provider excludes that
disease or covers it after a certain waiting period. Hence, inquire about these
exclusions and waiting period as well, in advance.
If there is health insurance all in the
world no one look like poor in the world.
If u want to know more about health insurance and other
knowledge then u all should visit again and again on my site. http://manunewsindia.blogspot.com/
Very interesting. Thanks for the share!
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