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Consumer Guide: Subscribing to the Best Health Insurance Plan Online

The medical inflation rate has seen an upward trend in the last couple of years. This, combined with the rising healthcare cost has changed how things used to work health insurance was a luxury earlier, today it’s a necessity. Thus, even if you don’t like the idea, find a good health insurance and subscribe to it before any unplanned medical expenses eat up all your savings.


How to find the best health insurance plans? 
  • Check the sum insured: Assess your medical needs, including the expenses related to your families like your parents, your spouse and your kids (if you have any). Add them up and find the total and make it inflation proof. To ensure the viability of your insurance plan in all circumstances, go for highest sum insured schemes.
  • Check the network of hospitals: Before you buy health insurance in India online, look at the network of hospitals covered by the policy. This would give you an idea of how far you might have to travel to avail a cashless treatment. If in your capability, the hospitals are close to your home and offer high-end treatment facilities.
  • Sub-limit and co-pay clauses: Find out the sub-limits and co-pay clause before signing the agreement. Opt for health insurance policy with high sub-limit and low co-pay limit.
  • Find out the claim settlement ratio and waiting period: Last but not least, check the claim settlement ratio and the waiting period of the insurance policies before opting for either one of them. Go for policies with a higher claim settlement ratio and a lower waiting period.      
Bottom line: Compare the different health insurance schemes before signing the subscription agreement. 

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Comments

  1. sagar yadav19 February 2019 at 17:36

    The great blog about health insurance.Thanks for sharing the blog, seems to be interesting and informative too.Could you help me to find more detail about Best Health Insurance

    ReplyDelete

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