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Tips to Choose Right Health Cover This Year
The insurance market in India today boats of multiple beneficial options and therefore, it is very essential to make an informed choice about the kind of a health cover that you choose for your loved ones. The various important things to be kept in mind while seeking a health cover are as mentioned below:
Pre-existing medical conditions:
Generally, different insurers offer the health insurance plans that include a clause for any pre-existing medical conditions. In fact, at the time of plan purchase, medical documents are submitted and any pre-existing medical conditions are specified. The factors needed to be considered are the waiting time offered by the insurer and whether coverage for such conditions is applicable or not.Cashless facility:
There are certain hospitals which are duly listed by the insurer in policy documents as having the cashless facility and these are known as network hospitals. Before deciding to buy the plan, you must specifically check the list of such hospitals linked with the insurer.The scope of coverage:
You must check the terms and conditions very carefully and take into account every single detail related to the coverage scope. This includes the benefits for hospitalization (both pre-hospitalization and post-hospitalization). The plan that offers maximum coverage against hospitalization will be ideally suited for your requirements. The additional coverage for the rentals involved must also be duly checked.Clause for co-payment option:
This is clause for bearing a pre-fixed part of the incurred expenses while the rest is paid by the insurer. This clause may come with an 80:20 or 70:30 expense ratio, which means that the policyholder has to bear 20% or 30% of the total expenses while the insurer will bear the rest.Applicable premiums:
This is the essential feature that must be checked duly. Generally, the premiums are in lieu of the coverage and any additional benefits offered under the plan. This, in essence, means that the scope of coverage is directly proportional to the payable premiums. Therefore, you must match the amount that can be paid as premium with the offered coverage.
HDFC Life offers health insurance plans that keep your funds secure and ensure that you don' face any financial hassles in case of any health-related emergency. For details, click on the mentioned link: https://www.hdfclife.com/health-insurance-plans.
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
Written By:
HDFC Life
Reviewed by Life Insurance Experts
HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance solutions - protection, pension, savings, investment, annuity and health.
HDFC Life Insurance Company Limited. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.
Registered Office: Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Email: Buyonline@hdfclife.in, Tel No: 1800-266-9777 (10 am to 7 pm). The name/letters “HDFC” in the name/logo of the company belongs to Housing Development Finance Corporation Limited (“HDFC Limited”) and is used by HDFC Life under an agreement entered into with HDFC Limited.
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