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4 Easy Tips To Get the Best From Health Insurance Without Questioning Yourself

Published On Nov 11, 2019 5:30 AM By Prashant Srivastava

At a time when medical costs are going through the roof, health insurance comes as a great relief by covering medical expenses. It covers when you get sick or injured like auto insurance covers your car if you meet with an accident. Health cover also takes care of preventive care i.e. doctors visits, medical tests, medicine costs, etc. before you get hospitalised. Every good policy comes with a set of perks, access to a wider health care service network and extensive coverage.

However, some health insurance plans don’t always provide coverage for 100% of the medical costs. They can share costs with you up to a certain amount.

When choosing a health care policy, don’t just limit yourself to the benefits. Instead, dig a little deeper, exercise due diligence and try to make most out of your health insurance policy.

Here are insider tips to get the best out of a health insurance policy.

Choose a Personal Cover

You have a corporate health plan from your employer. It’s great. Many organisations offer health insurance to employees as part of their company norm. You can get the cover to the extent of the sum assured per year. But, you can only get the benefits of this plan until you are working in the organization. The moment you quit the job, this health insurance becomes inactive and you’ll no longer be covered under the policy.

It’s therefore important to additionally supplement your corporate health insurance policy with personal health policy. With it, you can use your secondary policy to cover medical costs in case your employer’s health policy can’t cover 100% healthcare expenses due to the sum insured limit.

Preventive Care Benefits

Generally, preventive health care means identifying and minimizing:

  • Disease risk factors
  • Existing disease improvement
  • Detecting disease earlier through screening

With it, you can know well about any health issues within time. In the absence of these benefits, you may be at risk of various lifestyle diseases such as cancer, heart problem, kidney failure, stroke, coma, etc. These are silent killers. The only way to overcome these issues is to stay awake and identify the issues by undergoing regular health check-ups and taking preventive care.

Some health insurance companies offer guaranteed preventive care benefits. With it, you can enjoy the full benefits of your policy. Preventive care benefits include cover for mammograms, vaccines, GYN appointments, annual physicals, etc. These benefits allow you to get medical checkups free of cost at a network hospital.

So, make sure the health insurance product you want to purchase offers preventive care benefits. A policy with these benefits may come at a bit higher premium.

Choose a Network Hospital

For cashless treatment, you need to get treatment at a partnered hospital of the insurance provider. Going to a non-network health care centre means that you have to pay the medical bill out of your own pocket. Also, if drugs and surgical procedures are not covered under your policy, it will translate into paying out of your pocket. It’s crucial to remember that insurance companies usually avoid to provide coverage for medical procedures conducted, which is not associated with the actual medical condition.

Benefits of Riders

A rider is a provision in the insurance industry. It adds benefits or amends the terms of a basic health insurance policy. Riders ensure you get additional coverage or in some cases, they can even restrict or limit the coverage benefits. At times, riders are available at cheaper prices than additional coverage. The premium paid against this provision is much more affordable than buying a new product.

Critical illness cover riders are beneficial because they can provide you with a lump sum amount in case the claim is made because of any specified critical illness. A few insurance companies also provide prescription drug riders which can cover the cost of both generic and brand name drugs specified in the policy wording. In addition, other riders include Room Rent Waiver, Maternity Cover, Hospital Cash, Critical Illness Cover and Personal Accident Rider.

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If interested in knowing more how to save big when choosing a health insurance policy, give a call to our customer care toll-free number 1800-120-5698. Our insurance experts will love to help you. 

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