Best Health Insurance in India
Are your satisfied with your health insurance cover? Keeping in mind the rising medical costs, complex treatment procedure, clinics and hospital hassles, health hazards due to environmental conditions, health insurance has become an indispensable tool in today’s world. The medical treatment costs have reached an all-time high and are further expected to rise due to ever inflating economy. A good health policy will not only support you financially but will also lift your emotionally during the time of health crisis. Thus, one good health insurance plan is directly proportional to your financial solutions, emotional stability and social image in the society.
However, markets are filled with loads of policies provided by various insurance providers for millions of customers across in India. This often makes customer confused in choosing the best health insurance in India for themselves and their family. Pre-Existing Diseases Insurance companies come with a waiting period of around 2 to 4 years in case of pre-existing diseases.
They cannot approve any claim generated during this period for illness occurred because of the diseases which you had been suffering before the purchase of policy. Therefore, you should look for plan which has lesser waiting period and more preexisting illness cover.
Co-payment Discount Co-payment Discounts means mutual payment done by insurer and the insured person. The payment percentage is divided as set while purchasing the policy. Co-payment helps you reduce premium. Hospitals Insurance companies have lists of hospitals tie-ups where for any treatment you don’t need to pay the bills rather you can enjoy cashless facility with no hassles of reimbursement filing. All the charges are settled directly between the hospital and insurer. Your best health insurance in India should look for policy that covers empanelled hospitals in your area, so that you can approach it with ease during emergencies.
Exclusions Exclusions are more important than inclusions. To create the best health insurance in India, it is advisable read the exclusions terms and conditions of the insurance policy. Go for policies with less number of exclusions so that you don’t suffer issues during the treatment of your illness or when claiming for your family’s medical expenses.
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