Hello Friends, Many advantages of health insurance to make sure and know about health insurance. this article is very useful to people so read and take your decision.
Things to Know Before Purchasing Health Insurance
When considering which health insurance to buy, there are many things to consider. Does the scheme have options for hospital cover, how much do you need to pay before the scheme becomes active and whether medication is considered are among the many things that should be looked at when purchasing health insurance.
Why health insurance is important
5 Easy Steps
1. Decide on the family members that you want to cover through health insurance
2. Decide on the amount of coverage needed, based on your estimate of health costs and your existing coverage from employer provided insurance etc.
3. Compare the options of taking individual policies vis-a-vis a floater policy, or critical illness or other specialized policies based on your requirements.
4. Compare the offerings of various insurance providers.
5. Contact an agent/broker to purchase the health insurance product
I have prepared a list of questions to be asked for the Insurance Consultant or Insurance Agent who gives us the information regarding the health insurance policy. I hope this will help us in negotiating the price and benefits among the different health insurance products available in market.
List of Questions.
1. Ask Company name and Policy Name.
2. What is the type of Policy
3. What is the premium
4. What amount of claim can be settled, claim settlement
5. IS premium is fixed? If yes then for how many years?
6. Up to what age the policy covers for insurance.
7. What are the benefits?
8. Does this covers Accident Insurance? What all types if accidents are covered?
9. What types of accidents are not covered?
10. What illness are covered and what are not covered?
11. Is this Family Floater or Individual? Group Claim to be done or individual claim can be done.
12. What is the success rate of passing the claim. What are the documents required for claim settlement.
13. Where to submit the claim?
14. Whether OPD, Domiciliary expenses are covered? If yes what is the amount that can be claimed in a year and how many times we can claim?
15. What family size is cover?
16. Is parents are covered? If yes up to what age limit? What is the premium for them.
17. Is medical examination required for taking this policy? Who will bear that cost?
18. Does it cover illness / accidents occurred outside India?
19. What about existing diseases? Is it covered? If not then till how many years?
20. Why this plan is better then other?
I hope Health Insurance article is very useful to you people , if any questions the you are also contact us....
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if you want to more information to other insurance so visit this article.
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