Sandeep, age 40, a
father of 2 and the only bread-earner of his family suffered a severe heart
attack recently. Following which he was hospitalised and given the required
treatment. The expenses incurred towards his hospitalisation and entire
treatment was huge, but thanks to his smart approach and planning he had
covered himself under a health insurance policy which gave him good coverage
and paid for the emergency medical expenses. His proactive planning and
execution of buying best health insurance in india proved to be
beneficial for him and his family, as it was the health insurance policy which
beared the cost of the treatment and hospitalisation and he or his family did
not have to bother with the finances for the same.
Though buying a health insurance is a wise move, what is even
wiser is choosing best health insurance provider in India.
How to determine which health insurance policy is best for you
and your family? “Best health insurance” is a very relative term. What is best
for one may/may not be for other. Below are few tips that may help you in
picking the best health insurance provider in India:
1. Calculate your health insurance sum insured after analysing
your present and future liabilities: Taking example of Sandeep; as he was the
sole earning member of his family, he had financial liability like education to
his children, family’s everyday expenses, etc. In such a situation, the sum
assured has to be high, only then Sandeep could have managed his daily expenses
and children’s education without letting his savings impact.
2. Look for authentic insurance provider: Health insurance
policies are provided by both life insurance providers as well as general
insurance providers. As experts recommend, a health insurance policy must be
always bought from a general insurance companies because there is difference in
premium and by a common belief a life insurance company is usually known to
focus more on life policies rather than health insurance.
3. Do a comparative study of health policies/premiums offered by
different health insurance providers: It is always recommended before you buy
any health insurance policy from any health insurance provider in India, as a
thumb rule compare the health policy benefits and premium amounts offered by
different general insurance companies. Also ensure to double-check the
exclusion mentioned in the health insurance policy before buying same.
4. Check the track record of the general insurance company:
Before finalizing the health insurance provider, find out about its claim
settlement track record. You can find the same over internet reviews, from
friends and family, etc.
5. Check the list of network hospitals associated with the
general insurance company: The health insurance companies generally have tie
ups with certain hospitals in a locality. These hospitals are named as network
hospitals in the policy and they provide cashless facility to individuals
having health insurance with that specific company. Check if the hospitals mentioned
in the health insurance policy are also in your locality or vice-versa. At the
time of emergency, it is very important to have the hospital close to your home
than in a separate corner of the city you reside in.
Bajaj General Insurance
has over 4000 preferred hospitals in its network list. It provides one of the
best health cover policies in India. Recently the company has been awarded with
prestigious awards for being the best health insurance provider in India.
Insure yours and your family’s health with Reliance General Insurance and stay
assured of better care if the need arises.
Source from : https://www.reliancegeneral.co.in/Insurance/Blogs/Health-Insurance/Best-health-insurance-provider-in-India.aspx
No comments:
Post a Comment