Health Insurance Resolutions

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I shall start early. Be a wise decision maker!

The common myth about health insurance is “I don’t need it right now”. The premium of a policy bought at an early stage costs much less than the one bought for a higher age band. Further, a late start may invite a deprived coverage due to waiting period or exclusion

I shall stay covered. Stay smart!

Having health insurance is a smart choice to secure your mental and economic peace! It does not dent your savings in the case of an accident or medical exigency. It is economical in the long run to protect your finances.

I shall always be aware of the varied options!

The element of protection varies as per product; cost of hospitalisation, lump sum on occurrence of critical illness, permanent disablement, hospital cash benefit, accidental death etc so one has to evaluate.

I shall think how much is good

Will ensure the right amount of insurance for me and my family. The factors considered before buying insurance are age, gender, individual/family cover, existing cover, pre-existing diseases and prevalent family history.

I’ll always check how much is the right dose?

Health insurance cover for an individual and the family is the need of the hour. Medical costs are soaring high in spite of new technology, because the cost of super-specialty equipment and robotics is also passed on to patients.

I shall believe in “Honesty is the best policy”

Utmost good faith requires that one discloses all relevant information including previous health problems that one may have had. Likewise, the insurance agent must disclose critical information that you need to know about your policy. This avoids conflicts at the ‘moment of truth’ i.e. claims

Keep away from the idea that ‘Cheapest is the best’

Companies may give benefits with cost sharing like co-payment, deductibles, sub-limits, room rent capping, co-pay for hospitalisation at non-network hospitals or for higher age groups. Please ensure what is the most suitable before deciding to buy a policy.

I shall be aware of the claims process

Cashless facility is available at network hospitals, else one has to clear the cost himself and claim for reimbursement. One must know details of these network hospitals and all claims processes for a hassle-free settlement.

I shall be aware of long-term benefits

Companies offer a ‘bonus’ to your sum insured for every claim-free year. Free health checkup is one of the benefits one can avail of after renewing your policy continuously without a claim. Waiting periods no longer apply after serving continuous tenures.

I shall be an informed customer

Recent regulations have given way to a lot of standardisation across the industry. Product literature is now standardised, policies have life-long coverage and the ‘free-look’ period allows policyholders to revisit the policy. Decisions on underwriting are communicated to the customers for consent. A separate channel for senior citizens is also available to address grievances.

 

 

 

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