By Admin 
Health insurance policy: The number of cases of Corona in the country has crossed the figure of 1,000. In such a situation, people who have a health insurance policy, should check its conditions properly. It should not happen when the cases of corona in the country increase more, then do not cover the expenses coming on its treatment. There is still time, so see in advance whether your insurance policy is giving adequate coverage during medical emergency like Kovid-19.
Last time these shortcomings were revealed
Earlier, when cases of Corona came to light, many flaws of health insurance policy emerged. During that time it was seen that the limit of rent for the hospital room was fixed by the insurance company. Many essential expenses like PPE kits were excluded. Apart from this, many rules were also set for hospitalization, there were difficulties in getting coverage in the event of treatment at home.
Choose Health Insurance Policy in this way
Experts believe that people living in the city should choose an insurance policy that provides coverage of up to Rs 10-15 lakh. If the number of members in the family is more than three, then a floater cover of 0-25 lakh rupees is correct.
It is also important that the insurance policy also includes the cost of treatment at home, so that patients with light symptoms can be treated at home. It is also very important to have consultation facility on telephone, so that patients can get the advice of doctors on the phone itself.
Take care of this too
Along with this, restore benefits should also be provided in the policy, so that if the sum insured during treatment is completely eliminated, then the insurance company restore it again. With this extra coverage, you can stay relaxed for the whole year.
Experts also believe that there should be no limit about the fare of the room in the hospital, because patients of Corona are kept in ICU or in separate rooms many times, which are quite expensive. Things like PPE kits, masks, hand gloves and sanitizer should also be covered as they were spent a lot in the last time of epidemic.
According to experts, if the insurance policy is united ie insurance amount is limited, then you can choose super top-up policy because there are many old insurance policies in which the limits are fixed and often do not get coverage on OPD spending, treatment at home or treatment in selected hospitals.
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