Some
people hesitate to purchase health insurance online because of some
misconceptions. These myths create confusions over what to purchase and how to
use such plans. But, recent budget session has declared various reforms related
to mediclaim policies to improve insurance customers to select the best health
insurance which would fit them. Below are some myths related to healthcare
plans:
·
Myth 1
Those
who have already been covered under employer’s group health plan, then they are
not eligible to claim for another individual health insurance in order to avoid
excessive premium rates as well as to reduce the financial burden. And, buying
healthcare coverage at the time of retirement is very expensive.
·
Myth 2
Majority
of people think that smokers and alcoholics might be exempted from seeking
coverage for themselves. But, it is not true at all. Insurance companies in
India offer mediclaim policies to such set of people only when they undergo a
health checkup and qualify for the insurance benefits.
·
Myth 3
Some
youngsters do feel that they don’t need health insurance because they are fit.
But, you should understand that health hazards never come with prior notices.
Due to increasing medical costs, buying online healthcare plans is necessary to
manage finances.
·
Myths 4
Insurance
comes into play only when policyholder gets hospitalized. This concept is
completely wrong. There have been many improvements in the health industry due
to adverse effect of technology. Today, health insurers provide coverage for
such hospitalization and even for doctor consultation fees.
·
Myth 5
Sometimes,
customers think that everything is covered when they buy a health insurance policy, but it is a
misconception. Always provide correct details while filling up the application
because in case you are found to mislead any detail, then application may get
rejected. There are strict guidelines for claims which insured can make during
the first six months.
Source
from : http://blog.policyboss.com/health-insurance/five-misconception-health-insurance/
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