Priyesh Pandey
The health insurance market in India is huge. There are so many companies in the market who provide insurance. The healthcare is quite expensive in India and it will cost a fortune for the people for any treatment if they are not insured. So it is important to have health insurance for the entire family, but when you are in the market to choose the best insurance policy you will be confused with the options present. So, it is always advisable to compare health insurance plans before buying any health insurance plan for family.
Here are some of the questions that you can ask the insurance companies before selecting them, these questions will help you in the filtration process.
Claiming Process:
Most of the people don’t pay attention to this aspect but it plays a huge role in deciding the right company. No one wants the hassle of running around the insurance company when something emergency happens. So it is better to go for a company that provides easy claiming process. So before getting the health insurance plan for family, ask the representative about the claiming process and what are the steps needed to be done.
Network Hospitals:
Every health insurance company will be tied up with some of the hospitals, know about those hospitals and their policies. It is important to go with the company that has a huge network of hospitals. The hospitals should offer cashless option so that the entire bill will be settled by the insurer directly and there won’t be any cash burden on you.
Selecting the Right Amount:
When you approach an insurance company, you will be provided with some of the best family health insurance plans, take the help of representative and chose the best health insurance plan because this insurance plan has to cover all of your medical expenses in case of emergency. So know the best plans that the company offer and select the premium based on your monthly income. Make sure that the amount you chose won’t fall short in the emergency situations.
Plan Cover:
All the health insurance plans won’t cover every type of condition and ailment. Do not stay in a misconception that if you get insured, there will be no need for you to pay the hospital bills at all. Each and every plan covers certain ailments and conditions only so it is important to know all the conditions and ailments that each plan offer and then compare the health insurance plans for family. After the comparison decide the best plan that will be suitable for the family.
Waiting Period:
You cannot claim the health insurance right away after buying a policy. There is a waiting period and you have to wait until it is attained. So know about the waiting period that the company offers for each plan and choose the health insurance plan which has less waiting period.
Lifetime Renewal Option:
Usually there are more chances of falling ill in the old age rather than when you are young. So it is better to ask about such plans for which the company will be offering lifetime renewal option. This lifetime renewal will help you when you are old.
Also Read: health insurance portability — things you need to know
Check the status of Pre-Existing Illness:
Make sure that the plan you select covers the pre-existing illness. Ask the representative about it and chose the plan that covers the pre-existing illness. If you cannot afford such a plan then keep in mind that the pre-existing conditions are not covered in your plan.
