Having health insurance coverage is non-negotiable in a post-Covid world. The rising cost of healthcare is a reality that we can’t ignore anymore and health coverage is essentially a safeguard to ensure that we have access to the best of medical care at all times, no matter the cost.
The best health insurance policies are designed to offer you more than basic health coverage and give you access to much more in terms of overall benefits at an affordable premium.
In this article, we will look at a few pointers that should help you select the best health coverage and also help you understand why it’s crucial to get insured if you haven’t already.
1. Check Premium Vs Benefits
No matter which health insurance you opt for, you will need to pay premiums to keep the policy active. A lower premium doesn’t make a policy good or bad; it’s the benefits you get for that premium is that you should watch out for.
The best health insurance policy will offer you additional benefits like access to both futuristic medical procedures as well as traditional alternative medicine.
Along with that, you should also check if your policy offers you any additional addons like a reduced waiting period, coverage for pre-existing diseases, etc. Always buy the policy with the highest benefits not the one with the lowest premium.
2. Network of Hospitals
Pay close attention to the hospitals the insurance company has ties with, and choose an insurer who has the best hospitals on the list.
Also, do check if the best nearby hospitals are included within the insurer’s hospital network as in the event of an emergency, it’s important to get the best medical care within the shortest period.
The network of hospitals on an insurer’s list is of vital significance, so make sure that you are paying close attention.
3. List of Inclusions
Your insurance policy won’t cover everything; however, it’s best to choose one that does offer extensive coverage such as donor charges, cost of consumables, domiciliary treatment, Ayush Treatment, Robotic surgery, coverage for pre-existing diseases, etc.
The list of inclusions varies across different insurance service providers; therefore, ideally, you should go through the policy document carefully to see if what you need is covered or not.
Addons are additional benefits that an insurance policy offers such as a lump sum payout in case of a critical disease or condition. Critical diseases generally take a longer time to resolve and require multiple procedures, medicines, and diagnostics, etc. followed by periods of rest that can keep you out of work for an extended period.
The lumpsum amount paid out by the insurance company can help you meet the day-to-day expenses of your household and take care of the additional expenses incurred on the treatment so that you don’t have to dig into your finances.
Similarly, there might be other additional add-ons offered by your insurer at an additional cost; however, for that cost, the benefits that are on offer are much greater. So, it’s best to opt-in for the ones that you think are most beneficial for you, after all, it’s better to be safe than sorry, and being prepared for any kind of uncertainty is a smart move.
If you are looking for comprehensive health insurance coverage; care health insurance has a few of the best health insurance plans with unmatched benefits like access to the best medical institutes in the country; coverage for robotic surgeries and alternative medicine like Ayush; daily cash allowance; completely cashless hospitalization process with 30 days of pre-hospitalization and 60 days of post-hospitalization coverage including medicines, doctor’s fee, and diagnostic charges.
Don’t delay getting a health insurance plan as the sooner you begin the lower the premium and the greater the coverage would be.
Therefore, it’s always advisable to enroll early on in life so that you are covered and prepared for any uncertainties that life might throw your way.
It’s the only way to ensure the well-being of your family’s health as well as your financial health. So, get insured today!