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Follow These Steps to Select the Right Insurance Plan

Healthcare sector has insufficient penetration in India. However, as per the expectations of India Brand Equity Foundation, officially recognised by the Indian government, the healthcare sector can reach 280 billion by the year 2020. Factors including better health awareness, increasing access to insurance, rising incomes and an increase in lifestyle diseases will stimulate growth in the insurance business. 

Health insurance protects one from bad financial condition during unforeseen medical expenses in life. Therefore, as even suggested by Digit Insurance (a general insurance startup in India), the sooner you purchase the one, the better it is! 

Choosing the right plan for yourself and your family from a huge number of products available in the market can be a daunting task. And with agents and companies intervening, the task may become even more tedious. Which is why, you must come to any decision of choosing the best by keeping your needs, lifestyle, and budget in mind. To make the task simpler, Digit Insurance has come up with a few tips that the customers can follow to cover his/her health care expenses. These are-

1. Don’t decide considering premium only-

People, while shortlisting a health insurance plan, usually make a decision considering only the premium amount. This is a huge mistake that they commit as the plan that is right for you depends on your personal needs and lifestyle and not just the amount that you have to pay to buy a particular product. Other factors that you can consider include-add ons and benefits, coverage features, etc.

2. Modify the product as per your requirements-  

Basic plan does not always offer you the needed coverage so you must look for more. You can enhance your plan with add on benefits in this case. 

3. Select the right type of policy-

Consider the age and medical condition as the deciding factors for what type of policy you should buy. For instance, a newly married couple might want to add maternity cover under the policy.  

4. Select the right sum insured option-

You must decide on the sum insured on the basis of your age, dependents, current health condition, lifestyle and life stage (whether you are single, married or parent).  

5. Be informed about the claim process-

If you have any doubt or query related to the claim process under your plan, then get it resolved there and then. You may read the terms and conditions and make sure your claim requests will be dealt with reasonably. Also, be informed about the network hospitals. 

These are the vital factors that may help you to take decision as to which health insurance you should buy. But once you have decided to get insured, don’t give it a second thought. Stay insured, stay healthy! 

Also Read

Are Spouses Allowed to Split Health Insurance Premium to Claim Tax Benefit Under Section 80D?

Top 5 Health Insurance Plans Available At Low Premiums

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Note: Premium is shown for 18yr old individual of Delhi
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