By Admin 
In today’s time, health related problems can suddenly come up and the cost of their treatment sometimes falls on the entire deposits of the family. From small surgery to serious diseases in private hospitals, treatment of serious diseases can reach millions of rupees. In such a situation, it is very important to have health insurance. It not only reduces economic burden but also gives mental peace at the time of treatment.
If all the family members are involved in the coverage, then there is no need to panic from the sudden medical expenses. Therefore, health policy is considered a security shield in today’s time. But it is important to take care of some special things before taking it. Let us tell you complete information about them.
Take special care of these things while taking policy
Many times people buy the policy just by looking at low premiums. But later there is a problem during the claim. While taking the policy, it is important to first see how much coverage is and which diseases are included in it. Whether or not hospitalization, day-care treatment and pre-and post-hospitalization expenses are being covered.
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Do check this. So at the same time it is also important to see how big the insurance company’s network is and how many of its hospitals are connected in your city. It is also necessary to check the claim settlement ratio before purchasing the policy. Which makes it clear whether the company easily passes the claim or not.
It is necessary to read fine print good
While taking a health policy, there are many conditions and rules that people do not pay attention to. For example, how much is the waiting period for diseases already existing. It is very important to see this. Many policies do not get some diseases cover for a few years of beginning. Apart from this, conditions like room rent limit and co-payment should also be read carefully.
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If this limit is low then you may have to pay money from pocket while claiming. Therefore, before taking the policy, understand all its conditions and make sure to compare the policy of the remaining 3-4 companies. Only the decision taken with the correct information can save from trouble in future.
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