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Find Which Is Ideal Health Insurance Plan For You
Health insurance sector in India has rapidly expanded from the times when only public sector entities held the market. After the private insurers were allowed free access after the year 2000, the level of innovation in health insurance products that is being offered has risen tremendously. Added to the advantage of rising financial literacy in general,healthcare insurance is a recognized necessity today. However, you must choose the healthcare plan that best suits your needs and meets your specific requirements. Therefore, there are certain points that must be kept in mind while purchasing the healthcare insurance plan:
Health is wealth! This age old adage stands true even today as it will for all the times to come. While dealing with matters of health, especially when it comes to the well-being of your loved ones, no chances must be taken and everything must be done to ensure that they stay protected at all times. Taking out a detailed health insurance plan for your family counts as one of the most important steps in this direction. Health expenses are increasing considerably each day and so are the health risks. With a wide array of health insurance policies, the task of choosing the best health insurance policy for your needs can be quite tough and confusing. Health insurance, when chosen wisely and after due consideration, is your biggest asset in mitigating health-related concerns and taking care of your finances at all times.
- Depending on your and your spouse's age, you must choose either individual healthcare plan or the family floater plan. In terms of wider coverage and premium benefits for married couples, family floater plans may rate higher than the individual ones. However, premium-wise, individual plans may work better if you are unmarried.
- While covering your dependent parents, you must keep in mind the age criteria for premiums. Premium terms for people above the age of 50 are relatively much higher than those for people of let's say 35-40 years of age. As your parents may be in the age bracket of more than 60 years, the best idea is to opt for a specific and separate plan for your parents, instead of covering them in your existing floater healthcare insurance plans.
- Deciding the coverage amount is very essential. The coverage must be decided while taking factors like inflation into account. Moreover, opting for a plan that covers hospitalization benefits is beneficial. There is also the option of choosing specific plans for critical diseases that offer specific and targeted benefits, instead of relying completely on general healthcare coverage plan.
- One of most basic causes of claim rejection is the fact that pre-existing conditions are not covered in the initial years (ranging from 2-4 years) of the plan. This means that in case of seeking a claim for a disease, the insurer will check if the disease is linked to a pre-existing condition, and if so, the claim is liable to be rejected. Therefore, while purchasing a policy, you must make sure whether the dormant time period before a pre-existing condition (if any) can be brought under the purview of the plan benefits is 2 years or 4 years. This will ensure that you stay informed about the coverage benefits and if any specialized insurer is providing additional coverage on extra premium rates.
- One more factor that must be noted before getting a health insurance cover from an insurer is the insurer's claim settlement ratio. This is the ratio of the number of claims received by the insurer and the number of claims that are settled. This gives you a fair insight into the probability of the claim being honored by the insurer and is one of the most important and mandated factor before choosing an insurer.
HDFC Life offers health insurance plans that have been formulated for the complete and extensive financial coverage in any health-related contingency. For details, click on mentioned link: https://www.hdfclife.com/health-insurance-plans
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
Written By:
Vishal Subharwal
Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.
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We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance plans - protection, pension, savings, investment, annuity and health.
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