Health Insurance has evolved over time & thanks to Corona, people has realized the importance of Health Insurance & so looking to cover themselves through Online portals, agents & other intermediaries.
Survey shows that many of us are confused as to which plan suits for our family for long term. Agents normally push products of company they represent, others push one who gives them more commission so becomes more difficult of getting right product which suits a particular person/family fulfilling their requirements.
In this scenario, best way is to have awareness as to what all covers are available & which product suits the requirements
Point to ponder before start searching for Health Insurance:
- Your family size: Earlier there was option of Husband, wife & 2 children but now extended family like Parents, brother, sister, even children more than 2 etc. can also be covered under one policy.
- Family Health History: No problem if every member is healthy & free from any illness but in case of any history like heart attack, diabetics etc. then first of all we suggest to declare all history in your proposal form & there are products which cover families/member with adverse health conditions too.
- Your budget vis a vis covers we required: Today we have covers which includes dental treatment, cost of your spectacles, annual health checkups, OPD etc. but yes we have to pay for these covers.
- Network of Insurance company for cashless treatment: Check your place network particularly & then chose the product/company.
- Take Professional Advice: Very important to take services of some professional whom you can approach anytime even after the product is purchased as being a service oriented product, a face is important rather than just buying from online platform.
Hope this will help you to chose relevant health plan for you & your family.
Do give your comments & other related topics whom you wish to know more.