Compare Health Insurance – Count These Points before Going Further
You might take two-three days, even two-three weeks or months to decide whether you should buy health insurance or not. However, you would not have a problem in paying a big amount of money to the hospital during emergencies. And, you know very well that a simple operation costs you 1-2 lakhs that can hit your financial state very badly. In the continuously rising costs of healthcare, it’s not a surprise of being empty even after a 7-10 days stay in a good hospital. So, I would say that there is no reason of ignoring the immediate need of going to compare health insurance policy in India.
Different Types of Health Insurance Policies in India
The insurance market includes different kinds of plans, including family floater, and individual policies. There are some plans that can also restore the limit of S.I after getting a claim and you can also find plans that are best known for offering benefits on hospitalization and covering critical diseases.
What Can Trigger You Find A Suitable Health Plan?
One of the best answers of meeting the plan you love is to work on your needs. It will always take time in finding the right health cover unless you are not aware of your health needs. It is known that a certain need is fulfilled by each type of health insurance policy. Here are a few factors that can help you decide which plan will suit your needs the most:
- Buyer’s age,
- Family Size and Structure, and
- Existing Insurance Cover
Young Nuclear Family
When you a part of a nuclear family, it’s good for you to choose a family floater health plan is a decent bet. These plans are specially tailored to provide the coverage to your entire family under a single policy. For a certain S.I, you have to pay lesser for this policy as compared to the amount you are asked to pay for an individual health plan.
Remember, most plans offered by many different insurance companies don’t offer maternity benefit. So, if you are a newly married couple, and planning to have a baby in future, it’s good to make sure that your plan covers the same since many policies cover the maternity after a waiting period of 2-3 years.
Coverage from Employer
If your employer is offering health insurance policy, then you should not say them “No”. Take this policy and also apply for an individual health plan, as per your need, to supplement your health benefit.
The information mentioned above will definitely help you take the firm decision when you are determined to compare health policies and meet a plan of your choice.