Questions must ask before purchasing a health insurance policy

The health insurance industry can often be an overwhelming one. There are so many players offering health insurance policies packaged in so many ways. It cannot be very clear to the buyer. Besides, a lack of awareness of health insurance plans can leave you feeling confused. For instance, what may seem like an affordable health insurance policy, may not be right for you. And what is right for you may not suit others in your family. When it comes to health insurance policies, you must not hesitate to ask your health care agent as many questions as possible. Here we give you some of the questions you must keep ready before investing in a health insurance policy.

 

  1. What type of health insurance policy are you signing up for? There are three main types, and choose the right one for y only after studying each type.

 

  1. What all does the policy cover? Health insurance may cover pre and post-hospitalization charges, ambulance charges, organ donation charges, ambulance costs, etc. Read up on your health insurance details to know the details of the cover.

 

  1. What are the exclusions of your health insurance policy? Does your plan cover regular health check-ups if needed? Some affordable health insurance policies may not cover the treatment of certain diseases. It is particularly important if health conditions are running in your family, and you have the chance of developing them later.

 

  1. How much is the plan going to cost? You will be paying the health insurance monthly premium every month. Ensure the monthly premium is well within your means and doesn’t cost a steep cut in your monthly budget. Look for reputed health insurance companies.

 

  1. Will you be able to avail the insurance when you get treated by the doctor of your choice? It’s okay to want flexibility with your insurance cover in choosing your doctor.

 

  1. What is the process involved in filing for a claim when the need arises? Make sure the process isn’t overly complicated. If there are any doubts, get them clarified by your health care agent at the earliest.

 

 

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