How to choose right health insurance plan 2023-2024

How to choose right health insurance -:

In this article, I will tell you what you should check before taking health insurance and which health insurance is good.

1. Number of disease included & excluded:-

Many people have some diseases before taking insurance and some company has policy that if you already have any disease then it will not be included in it, if you take insurance then it must have PED cover and which If there is a waiting period then it should also be very less.

2. Don’t go for cheaper health insurance:-

When you buy health insurance for your family, then how much amount should be covered for you, most people think of it in amount but the right way to think is the number of the hospitalization day in a year now no matter where you live and every city The rate of hospitalization is different, suppose you are in Mumbai,

then there is a charge of about 50 thousand rupees for a day, if you are in a small city then you would have paid only 10-15 thousand rupees there.

So wherever you are, in how many years you have to cover the hospitalization day, I believe that if you are taking health insurance for your parents, then you should carry at least 1 month hospitalization cover if you are there for you. And if you are taking it for your family, then you must take a hospital cover of 15-20 days.

3. Choose companies with high claim settlement ratio:-

Before taking insurance, you also have to check that what is the claim settlement ratio of the company from which you are taking health insurance because when you need it, it will give you its claim.

4. Cashless transition & networking hospitals:-

Before taking insurance, you also have to see whether the hospital of the insurance you are taking is near you because if you are in emergency then you will not go to any other city, so you should see the company connected to your cashless hospital around.

5. Pre & post hospitalization expenses:-

Many people have some diseases before taking insurance and some company has policy that if you already have any disease then it will not be included in it, if you take insurance then it must have PED cover and which If there is a waiting period then it should also be very less.

6. Buying health insurance at an early age:-

Most of the people think before taking insurance that we are young now what do we need to take health insurance but let me tell you it is not so if you take health insurance at a young age then you have to pay less premium let’s say

If you are 25 years old now then at this age you will have to pay less premium but if you are 35 years old then you will have to pay more premium and people also think that when we are not falling ill then what is the need of it but if your If you have taken health insurance, then every year you are not hospitalaz, then every year claim bonus is added to that cover.

7. Should you take another insurance along with corporate health insurance :-

If you work in a company and you have a corporate health insurance then should you take another health insurance I believe because whenever you leave the company your policy lapses you cannot carry it to the next company then Whatever is your cover bonus or whatever is covered, it all collapses if you leave that company, so you should take another health insurance in addition to this.

8. What should be the cover amount:-

When you buy health insurance for your family, then how much amount should be covered for you, most people think of it in amount but the right way to think is the number of the hospitalization day in a year now no matter where you live and every city The rate of hospitalization is different, suppose you are in Mumbai, then there is a charge of about 50 thousand rupees for a day,

if you are in a small city then you would have paid only 10-15 thousand rupees there. So wherever you are, in how many years you have to cover the hospitalization day,

I believe that if you are taking health insurance for your parents, then you should carry at least 1 month hospitalization cover if you are there for you. And if you are taking it for your family, then you must take a hospital cover of 15-20 days, it also has a floater plan.

 

 

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