In today’s busy lifestyle, we hardly have anytime to take good care of our health. Stress, pollution, poor work-life balance, and hectic schedule are the causes of lifestyle diseases that we are all prone to. This is why Health insurance has become extremely important.
Given this scenario, having a health insurance plan is more of a necessity than ever before. You will have peace of mind that your savings are being taken care. And you can use your health insurance plan in an emergency medical case.
Below we have mentioned some important details related to the health insurance plan. Let’s have a look at some of the things that you must know before purchasing health insurance.
Things to know before you buy a health insurance plan
- Critical illness insurance cover
Many people assume that a health insurance plan will definitely cover hospitalization due to critical illnesses, however, it’s not the case every time. You must remember that only some specific health insurance policies cover critical illness. So, make sure you check what is covered before purchasing the policy. We advise you to check the plan’s coverage according to what your requirements are.
- Best plans offer minimum premiums rates
A very popular misconception is that the best plans are those that come at lower premium rates. Well, it’s not completely true! There are many health insurance plans available with different insurers and each come with various types of benefits and coverage. To get a plan that offers the minimum premium amount, make sure you first compare and then purchase the health plan that suits your needs and provides you the sufficient coverage required.
- Health plans cover all medical expenses
Health insurance plans only cover the expenses listed in the policy wordings. So, make sure when you purchase any health insurance policy you go through all the coverages in detail. Thoroughly read if it covers only medicine charges, hospitalization charges or if the plan provides a comprehensive cover.
A comprehensive cover can have end to end health insurance cover to include, pre and post-hospitalization charges, domiciliary treatment, ambulance charges, consumables charges, room rent allowance, etc.
- Policy that suits you the best
No health insurance policy is good enough if it’s not the best fit for your needs. Always do your research well. Calculate how many members in your family need health insurance and how much you will need to pay for each one of them.
No individual will have the same disease and you will have to pay a different amount for everyone as per their age, health conditions, etc. So, make sure you check if the policy helps you in every way possible.
Remember that, when it comes to health insurance, don’t make any assumptions. Make sure you cross-check everything before you take a final call to purchase a specific policy. If you want to get more details or wish to buy a health insurance plan online, you can visit our Bajaj Finserv and get the policy in just a few simple steps.
Anywhere, Anytime insurance with the Bajaj Finserv
The Bajaj Finserv is a high utility that takes care of all your financial needs including insurance. On the, you can explore benefit-rich health insurance plans from our trusted partners. Here you can view product features, compare prices, and purchase a plan that is best suite to your needs. All this in a matter of minutes and from the comfort of your home. It truly is becoming the new way to buy insurance. If you still have not experience the security of having a health insurance cover, log in to the Bajaj Finserv and get starte now.
Disclaimer: T&C Apply. Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third- party insurance products having IRDAI composite registration number CA0101.Please note that BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase an insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale.