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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Health insurance plan: The condition of staying admit in the hospital for 24 hours to claim health insurance is now over. Many insurance companies are also giving mediclaims on only 2 hours of hospitalization. This change is being done to keep pace with changes in medical technology with a new age.

Claim will be done only on 2 hours of hospitalization

Earlier, there was a need to stay in the hospital for 24 hours to claim health insurance. However, this will not happen now because many insurance companies are now allowing to claim the hospital for only 2 hours without considering this condition. According to the CNBC TV18 report, Siddharth Singhal, head of health insurance in the policy market, said, in the last ten years, the medical advancing has completely changed the way of treatment and surgery. This has also reduced the time limit for living in the hospital.

The condition of staying overnight is now over

Earlier, there was a need to stay in the hospital overnight for cataract operation, chemotherapy or angiography. Whereas today medical technology has moved so much that all this happens within hours. In view of this, many insurance companies are also covering 2 hours of hospitalization in their policies to ensure that the claim of a policyholder does not reject only because of not staying overnight in the hospital. Companies covering it include ICICI Lombard Elevate Plan, Care-Supreme Plan and Niva Bupa.

These companies are giving coverage

ICICI Lombard Elevate Plan is getting coverage of up to Rs 10 lakh at a premium of Rs 9,195 annually. It is for non-smoker people aged 30 years. Similarly, the annual premium for Care Supreme is starting at Rs 12,790 and the premium for Niva Bupa Health Recycle is starting from 14,199 per year.

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Hospital Daily Cash Benefit Plan: In today’s era, the expenditure on health services has increased much more than before. Alam is that old medical insurance is not able to meet the new changing needs of people. This problem is even more for economically weaker families. Taking care of all these things, SBI General Insurance has partnered with BLS E-Services subsidiary company Starfin India to start hospital daily cash benefit plan.

These expenses are involved

Under this scheme of SBI General Insurance, a certain amount will be given to the person admitted to the hospital due to some disease or accident. With this, the expenses incurred on coming and going to the hospital, eating and drinking, medicine, attitude will be covered. Due to this, financial stress will be reduced to a great extent in a difficult time because in today’s time the cost of medical treatment has increased significantly. It is a big deal for a normal family to lift it.

In the Hospital Daily Cash Benefit Plan, the cost of treatment is covered in the policy and moreover, the expenses on other things are included in this plan. During the hospital admitting, there are many expenses in addition to bed charge, cost on treatment, medicine. They are not usually covered in normal insurance policy.

This coverage will also get benefit

Apart from this, the policy will also include coverage for accidental death and partial disability under the scheme. According to media reports, Priya Kumar, business head of Emerging Business Lines in General Insurance, says, “During the admit in the hospital, financially weaker families face problems in getting financial support.” According to today’s need, we have a collaboration with Starfin India as IRDAI is aimed at ensuring claims on time, preventing fraud and helping financially weaker families through effective mechanisms to resolve complaints. ‘

You will get so much money everyday

The premium annual premium of the Daily Cash Benefit Plan starts at Rs 259 (including GST). If the patient is admitted in ICU, then the limit of daily cash benefit plan also increases in this situation. On being admitted under this scheme, you get a daily cash benefit of Rs 1,000, while this limit increases to Rs 2,000 per person when the patient is admitted to ICU.

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