Contemporary times call for the best in everything. On that context,
while browsing through the best in everything, we should consider the same
while going through health insurance policies and company in India. The market
is filled with so many insurance companies that browsing through some factors
and comparing them might come to aid.
Comparing health insurance before buying
is very important because this not only gives a chance to find the best from
the rest but also gives a clearer view of the plan and its company for the
future.
Time and again, we have seen so many insurance companies claiming to be
the best, but there are very few companies that truly stand to its name.
Religare Health Insurance Company rightly proves itself in this
regard. To know the accurate best out of the rest, the factors to be considered
are as follows-
1. Settlement
of Claim- The claim settlement time and ratio should be balanced. This
shows the credibility and efficiency of the company.
2. Co-payment &
Deductible- This means that a certain amount must be paid by the
policyholder and rest by the insurance company. This happens to be a small
clause and is mostly ignored by customers which might prove to a disadvantage
at a later stage.
3. Day care
procedure- In modern age, one does not need to hospitalize in every
step. So opting to a plan covering multiple day care procedures is
the smartest way to get insured.
4. Hospital
Network- One should check for the network of hospitals linked with the
insurance company and the proximity of the hospitals from resident of
policy holder.
5. No claim
bonus- This bonus is offered when the policy holder never claims the
policy taken, in this case, either the premium is decreased or the sum insured
is increased and sometimes both.
6. Free
medical checkup- This is quite common among insurance companies.
Insurance policy which offers free yearly medical checkup with no
bearing on the premium on renewal of policies.
7. Add-on
Benefits- Apart from regular facilities under certain plans some highly
beneficial add on benefits can be available at little extra premium.
Therefore, lot of aspects should be taken into account while
browsing through the best health insurance company in India.
Comments
Post a Comment