Protecting against the uncertainty is important to meet the unexpected complications that life brings frequently. This also holds true for your health, as a medical emergency can arise anytime, with little or no warning signs. That is why, it is important to insure against any medical emergency by availing various plans offered by top health insurance companies in India.
But how do you know which one is best for you? Let’s look at some useful tips for selecting the most suitable health insurance plans and companies.
1. Don’t Wait Too Much: Health insurance should not be delayed till you acquire an illness which cannot get covered under the plan. Then obviously you won’t get maximum benefit out of the health insurance plan. Identify your needs and finalise the policy accordingly. Most health insurance policies in India primarily cover hospitalization costs. Other features that may or may not be included are out-patient costs which include medicine costs, doctor visits and more.
2. Individual or Family Floater: If you have dependents like your parents or children and you are the bread-earner in the family, getting a family floater is the best option. Try and get your parents insured when they are relatively younger so that when old age and illness sets in, you won’t be burdened by the tremendous outflow of cash on the treatment. Family floater generally cost lesser than individual policies for every member of the family.
4. The Co-Pay Factor: This is another crucial factor as this decides how much you would have to shell out during hospital stay and how much amount you would be assisted with. Some plans offer maximum co-pay percentage like 80%-90% is paid by the health insurance company and the rest 20%-10% would be paid by the claimant.
Religare Health Insurance is one such top health insurance company in India, offering most comprehensive health insurance plans for young and elderly alike. Live comfortably and never let any illness pose a risk with Religare Health Insurance plans.
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