Policy's features
Before buying a health insurance policy, you should read all the features and terms and conditions of the policy to avoid future consequences.
Tax Benefit
You should also check policy whether it is giving you a tax benefit under section 80D of the Income Tax Act or not, and if yes then how much.
Critical Illnesses
Before going ahead, you need to thoroughly check the policy to assure about the room or ICU rent during hospitalization before buying a policy
Room or ICU rent capping
Before buying health insurance, you should check the claim settlement percentage of a company and the process which it follows before raising the funds.
Claim process
You should check the complete list of hospitals that are empaneled with the company before buying a health policy.
Cashless hospitals
You should also check the illnesses that the policy is covering because there are chances that for some critical illnesses you need to pay an extra premium as per
your family history.
Hospitalization
Before and after hospitalization, people visit a doctor and undergo several medical tests, you need to check all pre and post-hospitalization perspectives of the
policy.
Lifetime renewability
You should buy health insurance which offers lifetime renewability because the higher chances of getting sick are in old than young age, and lifetime renewability
gives more stability.
Premium amount
You also need to compare premium amounts within a few top brands before selecting one for yourself and your family. Now that you know the right way to choose
a health insurance plan, act faster and make your move by picking the right plan for you
and your family.
Family Insurance
While looking forward to buy a health insurance policy online, you need to keep the age of each family member in mind, and the policy benefits accordingly. Also,
family medical history is important and try to add those illnesses in the plan which are not pre-included in the plan and are available in your family history.
