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Posted by Royal Sundaram on 15 Mar 2019
A health insurance policy should be bought after thorough research and detailed study. It should not be purchased in a hurry; else you will miss some of the important features in the policy that would actually be the important ones. You must look at all the factors carefully before buying the health insurance policy. To make a good deal, here’re the following features you need to consider before zeroing on a particular health insurance policy –
- Credibility of the insurer: This is one of the most important features you need to consider before purchasing a health insurance policy. You must check for the claim settlement ratio of the health insurance company. In addition to this, the number of years a company has worked in the business is also very important to consider.
- AYUSH treatment: AYUSH, which stands for Ayurveda, Yoga, Unani, Siddha, and Homeopathy is a treatment that is growing popular not just in India, but also in abroad. Thus, check if your health insurance policy covers the same and also, do not miss to check the applicable sub limits.
- Pre and post hospitalization: Keeping in mind the increasing medical costs, it is good to buy a health insurance policy. Medical costs incurred before or after hospitalization are called as pre and post hospitalization expenses. Thus, you must consider this factor before finalising a health insurance policy.
- Network hospitals: This is yet another important factor you need to consider while buying a health insurance plan. You must check the list of hospitals and look if it includes the facilities that you usually visit.
- Health check-up: For many health insurance companies, this particular factor is to attract customers. This is an important aspect that will help you detect many diseases in their initial stage. Thus, you must check this factor while buying a health insurance plan.
Remember, a health insurance plan is not just a tax-saving tool, but it will also help you live a happy and stress free life. So, it is advisable to analyse your needs, coverage, and claim settlement ratio before choosing a health insurance plan. Besides, if you are looking to buy health insurance plan online, go for Royal Sundaram; it offers comprehensive health insurance plans at affordable prices.
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