Introduction
Buying a health insurance is not something easy when many companies are having many offers related to this kind of insurance. There are a lot of plans and offers in the market that attract customers and in most times confuse them. Hare are some things you have to know and take into consideration before you buy a health insurance.
1. Claiming procedure
The company should not has a complicated claiming procedure because this will result in making settlement of claim delayed. Health insurance is the most important type of insurance and you must not put your life or your family members life in risk by making it harder. As long as the claiming procedure is simple, the claim settlement will be easier for you. Check their process with much care and then decide.
2. Customer Support
A 24*7 customer support is very important when deciding to buy a health insurance. This is because if there is any issue in the hospital, the customer care executive should be there to deal with such issues. Look for the company and how they deal with their customers.
3. Waiting period
In most cases, insurance companies offer an amount of waiting time for any previous sickness. This can take from one year to around six years taking into consideration your age and type of illness. The best thing you can do to avoid this problem is to get a health insurance plan in youth so that you can clear the waiting time.
4. Pre/Post hospitalization
There are many costs that accompany hospitalization such as medicines, examination, and doctor’s follow up. Ensure that you get a health insurance that has a coverage for these extra expenses too. Your health insurance should cover all the costs starting with hospitalization of a patient and ending with leaving the hospital. There should be no financial pressure on you.
5. Insurance amount
The best thing you can do is to determine the right insurance amount for you. The amount you choose, should only cover the costs. Before you decide, consider some things like your age, health condition, and your salary. The amount should be well balanced, not too high for you to afford nor too less because you don’t want to find yourself have a lack of amount if there will be an emergency.
The most important decision to make is deciding on a right insurance amount. The right choice of amount shall only cover expenses. Take your age, health condition, salary levels in consideration before making a decision. The amount shouldn’t be too high for you to afford nor too less as you do not need a shortage of amount in emergency.
6. Family insurance
When you decide to buy a health insurance, make sure that you include your family members too. Determine the insurance amount by taking into consideration their age, existing or previous illnesses.
7. Network hospitals
Another important thing is to know the insurance network hospitals. In most cases, hospitals offer cashless process and the bills of all costs are paid directly with the insurance companies. Make sure to know from the insurance company the network hospitals which provide this cashless option.
Conclusion
Health insurance plans come to offer you and your family the protection needed. However, we often forget to check and examine health insurance before buying it. Try to avoid this by preparing a list of questions to the insurer to know if it’s worth buying.
