Medical expenses are sky high these days. The elaborate medical treatment expenses could eat into your savings meant for the future.
Health insurance policy (popularly known as Medical Insurance or Mediclaim) kicks in to ensure that your unforseen medical expenses are taken care of without causing a financial burden.
HOWEVER HAVE YOU CHECKED WHETHER YOU ARE GETTING THE BEST DEAL & BENEFITS FOR THE AMOUNT THAT YOU ARE SPENDING ?
Benefit depends on the policy you choose and the coverage it provides. Here is a checklist of benefits that you need to consider before making a decision.
Already purchased a policy - Don't worry
According to IRDA (Insurance Regulatory & Development Authority) latest notification, all policyholders now have the right of portability, or switching their policy from one company to another.
Portability means the right accorded to an individual health insurance policyholder (including family cover) to transfer the credit gained by the insured for pre-existing conditions and time bound exclusions if the policyholder chooses to switch from one insurer to another insurer or from one plan to another plan of the same insurer, provided the previous policy has been maintained without any break.
Does your policy offer any kind of benefits for non hospitalisation / day care and routine diagnostic / investigation expenses? (Average household spends almost Rs 15000/ year on just OPD and investigations not covered by routine medical insurance policies, one which do cover are doubly more expensive.
Does your policy help you with right diagnosis of your medical problem? (On an average 30-40% of medical expenses are due to wrong diagnosis and repeat investigations, causing serious harm to the patient due to delayed treatment)
In case of major surgeries, does it guide you where you can get the same procedure done at what cost and which are the good centers / specialists for that treatment? (Pricing across cities and hospitals vary as much as 30% for the same category of rooms, yes you are covered by the policy you have taken but do you realise how much your premium shall rise the next year?)
Does your policy provide a facility to keep all your family's medical records in one place / accessible easily anywhere / anytime...required in case of emergencies and while you are travelling
Does it inform you about the latest ongoing clinical research and treatment breakthroughs for the ailment you are suffering from?
Does it provide you with access to a community of fellow patients with whom you can share your problems and learn from their experiences?
Do you believe you have the best insurance plan suitable for you and your family? Let us help you by providing you options that will suit your needs.
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