Health Insurance Plan : A Comprehensive Guide to Choosing the Best Plan for You and Your Family
Health Insurance Tips : Many expenses are increasing in today’s time. These expenses also include medical expenses. In such a situation, health insurance is a very good option.
Think of it like this: if ever a person has broken a bone of his hand in a road accident, but when he reaches the hospital, he comes to know that he has also suffered a hairline fracture in his head.
In such a situation, the cost of treatment can be two to three lakh rupees. If that person does not have health insurance, then he will have to pay all these expenses from his pocket.
Health Insurance Tips
Many people consider taking Mediclaim or health insurance as a waste of money, which is wrong. Many times the person has health insurance but cannot use it during work.
The biggest reason for this is that there are many types of health insurance. Their coverage is different. In such a situation, we should take care before taking any health insurance.
Why is health insurance important?
According to data from the Central Health Department, 80 percent of medical emergencies worsen the situation due to financial problems.
In any accident or disease, money is not only spent on treatment, but also after treatment, a lot of money is spent. In such a situation, health insurance proves to be very helpful.
Find out about coverage and benefits
When taking a health insurance policy from an insurance company, first of all, you must check what coverage you are getting in it and what benefits you are getting.
To know how much coverage is available, you have to read the policy very closely. It tells what kind of treatment cover you will get. Along with this, what will be the parameters for hospitalization?
Whether the cost of medicines will be included in the coverage or not. And deductibles; along with this, you should also know about the out-of-pocket payment limit.
Know about the Health Care Providers Network
Health insurance companies nowadays offer cashless treatment facilities to people. For this, they have tie-ups with different hospitals and health care providers. If you get treatment here, then their direct bill is more with the insurance companies.
So you should find out which hospitals are included in your network. Do you get information about whether good hospitals are included in this or general hospitals are included?
Check customer service and support
When you take a health insurance policy, it is very important to check about the customer service and support of that insurance company. Because it has been seen many times that, in some cases, no assistance is given to the policyholder by the companies and hands are raised.
That is why first you must check the history of the company’s customer care service and support. You can use social media for this. You can see reviews about the company there.
Benefits of cashless facilities
Cashless facilities are a significant benefit offered by health insurance companies. This leads to direct settlement of hospital bills between the company and the hospital. Having this facility during a medical emergency reduces the burden of arranging immediate funds.
For example, if a person is admitted for emergency surgery and has a cashless facility, his family can focus on the patient’s recovery instead of worrying about raising money to pay the hospital bill.
Having pre-authorization for the treatments planned under this facility provides clarity about coverage and out-of-pocket expenses.