Health insurance wasn’t as popular some time back as compared to now. This positive change has seen several people lining up online insurance portals to buy health insurance plans. With many insurance providers in the market, excessive documentation required in the process, and a host of available plans, it sometimes gets confusing to decide to buy a plan that best serves your purpose.
In this article, you’ll get all these tips to access insurance services without much trouble. And you’ll be able to decide which plan is ideal for your requirement.
Why are health insurance plans important?
It’s important to have a health insurance plan because it helps you a lot and saves you from financial hassles when you or your family members fall sick. You don’t need to care for bills and other expenses in a situation when you’re lying ill on the bed, which is in itself emotionally draining.
Treatments like surgery, prescription drugs, lab work and pre-and post-hospitalization expenses and tests make it nearly impossible for an individual to bear these expenses. That’s where health insurance comes to your aid. So, you can’t neglect its importance.
Here are some major factors you should consider when buying a health insurance plan to save you unnecessary hassles at the time of claim.
Read policy terms and conditions well
One of the primary reasons why so many people have problems dealing with insurance companies is that they don’t read the terms and conditions of the policy carefully. When they go for a cashless reimbursement, their health insurance claim might get rejected because they missed reading while signing the document.
If you plan your future with health insurance, it’s essential to be clear about your policy terms before purchasing it. This way, you can avoid any inconvenience later on.
Moreover, don’t mistake allowing your policy agent to fill out the policy application form on your behalf because a minor mistake can lead to severe confusion and disputes.
Look for a quick claim settlement process
Always make sure to buy a health insurance policy that provides you with a hassle-free and quick claim settlement process to avail of the benefits it offers.
You can use the claim settlement ratio of the insurance provider to determine the claim settlement process. This ratio is obtained by calculating the number of claims settled out of the number of claims registered by the policyholders.
There are a lot of insurance companies like Manipalcigna health insurance benefits which provide you quick cashless reimbursement claims for health insurance.
Network of hospitals
When deciding on a health plan, go for one with an extensive network of hospitals because hospitals near you will give you convenience and the flexibility to move fast and easy in case of an emergency.
You just have to inform TPA (Third Party Administrator) or customer service in an emergency. Tell them about your treatment and when you get the confirmation letter, submit it to the hospital. After this, the company settles the bill and your hospital expenses.
In short, before choosing a health plan, check its network of hospitals, as it eases away the hassle of travelling long distances to avail your treatment.
Inclusions and exclusions
The list of specific benefits you’ll get by the policy is called inclusions or covered services. And other benefits or services that don’t fall on the list of these benefits are called exclusions or uncovered services.
So, if you want to benefit from these exclusions, you’ll have to bear the expenses yourself. Always be clear and examine these inclusions and exclusions to avoid any complications and confusion before opting for a plan.
Family health insurance plans
When buying health insurance plans, choose a plan that best suits your family members and is comprehensive and budget-friendly.
You should be well aware of your family members’ age, current ailments, and medical history and choose a plan accordingly.
Conclusion
Buying a Health insurance plan is essential for future emergencies because it provides you benefits like cashless claims, reimbursement options, medical treatments etc.
However, before buying a health insurance policy, you should be careful and keep some points in mind to avoid undue hassles when filing the claim. These would be reading the policy terms thoroughly, looking for a quick claim settlement process, an extensive network of hospitals, checking the inclusions and exclusions, options for family health plans, etc.
There are various health insurance companies in India providing different benefits. However, whatever company you choose, make sure it’s trustworthy and reliable. You should find a company that offers various health insurance plans to match your preferences and give you the option to choose a policy as per your preference.
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