Sixteen things to know before you buy a Health Insurance Policy

1. Sixteen things to know before you buy a Health Insurance Policy

2. The core of any Insurance plan is protection. Offering protection and alleviating your risk is the simple motive of an insurance plan. Making that small investment in any health insurance plan, will enable you to be tension- free and offer security in advance. Especially when we are facing the pandemic and the rising cost of a treatment makes it although more necessary to buy a Health Insurance Plan. As per IRDA regulation, currently all the treatment cost incurred for Covid 19 are covered under all health insurance policies. Second Opinion – Many insurer allow this facility for free and as an inbuilt feature from their network of medical practitioners mainly when the insured is diagnosed with the specified Critical Illness.

3. 1. Global Cover –It covers for Medical Expenses of the Insured Person incurred outside India, upto the sum insured, provided that the diagnosis was made in India and the insured travels abroad for treatment. a) Proof of diagnosis in India b) Insured’s Passport and Visa 2. Free Health Check-up / Preventive Health Check-Ups

4. 4. AYUSH 3. Restoration/Refill Benefit 5. Home Hospitalisation 6. Organ Donor 7. Air Ambulance 8. Pre & Post Hospitalization 9. Senior Citizen Plans

5. 10. No Claim Bonus 11. Day Care Procedures 12. Pre – Existing Diseases 13. Waiting Period 14.Maternity Expenses 15. Newborn Baby Cover 16. Domiciliary Hospitalisation

6. Consult the best health insurance planner suitable to your family size and other factors

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