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We know that you have done a wisest decision by opting
for a health insurance plan for you and your family members. Now, the other wise
thing that you need to do is to take care of certain important factors before
you finalize on a right plan that provides you maximum coverage when you need
the most. Health Insurance Plans for family are not like buying airfare where
only the price matters. Number of features have to be considered before you zero
down on a particular plan.
Listed here is the checklist you definitely need to go through while buying
health insurance plans for your family:
1. Are you looking for the right amount of cover?
There is no permanent or a fixed amount that a particular insurance policy
should be looked after. After all, everyone’s needs and priorities differ.
Medical costs are also increasing day by day. It is not possible for a common
man to meet the hospitalization, critical illnesses and other expenses related
to surgeries. Therefore, you should consider all these factors to buy health
insurance plan for a family.
2.Does your plan provide cashless health cover?
Not everyone has an access to instant cash. During medical emergencies, it
becomes even more difficult to make arrangements for cash. Therefore look for a
health insurance plan for your family that offers you cashless treatments which
can also help you save your finances to a larger extent.
3.Does your health insurance plan covers your family for lifetime?
Medical emergencies are unpredictable. They can knock your door anytime and
anywhere. Especially during your old age, you need medical cover the most. You
need to ensure that the health insurance plan for your family that you opt for,
provides lifetime renewability and not restricted renewability.
4. Does your plan cover maximum Pre-existing diseases and Critical
Illness Cover?
It is recommended that you should always opt for a health plan that covers
maximum pre-existing diseases. Simply because, any complications arising due to
pre-existing diseases are also covered. Getting any critical illnesses treated
requires a lot of financial back-up. Moreover, a health plan is considered good
if it covers as many critical illnesses as possible. Therefore, check if your
health plan offers maximum coverages for pre-existing diseases and critical
illnesses.
5.Is the Insurance Company you opt has a good background?
Claim settlement ratio is the efficiency of any insurance company for settling
the claims. You need to do a thorough research for the same before finalizing on
a particular health insurance plan for your family <a
href="https://www.coverfox.com/health-insurance/">compare health insurance
plan</a>. Also, a good customer support team is like a value added benefit of
any insurance company.
6.Is there a good list of network hospitals surrounding you?
Network hospitals are like saviors during medical emergencies. You can avail
cashless treatments from these network hospitals associated with the insurance
companies. Look for a plan that has a wide network of hospitals closer to your
residence to avail hassle-free cashless treatments.
7.Is the waiting period too long?
Every insurance plan has a waiting period between few months to a couple of
years depending upon insurer to insurer. Look for a health insurance plan for
your family that has the least waiting period. This would allow you to make the
most of your health insurance plan. Also, ensure you opt for a plan that does
not exclude most of the diseases.
8.Finally, are you starting early?
It is recommended that you opt for a health insurance plan for your family as
early as possible. This will help you gain maximum benefits from the plan. For
instance, even if your employer provides you a medical cover, you need to also
have a separate cover with maximum coverage.
Do keep these points in mind before you finalize on a particular health
insurance plan. This would reap you maximum benefits in long run. Stay Insured,
Stay Safe!
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