Live Chat

May I help you?

Begin Chat
Insurance Article

Key points to bear in mind when opting for the best insurance policy on health

March 13 2013

A dip in general well being of a person can result in different ailments that require medical treatment for complete recovery. At times, some ailments may develop complications which call for immediate hospitalisation to prevent further health deterioration. Such untimely hospitalisation is likely to dent your savings and cause panic and stress in the family. Emergency situations cannot be predicted but you can surely equip yourself and your family to face any untoward incident in the future.

An easy way of staying prepared for any medical exigency is to procure a health insurance policy beforehand. The medical security offered by such a policy will help to ease stress and worry that is commonplace during any sudden ailment. However, to enjoy optimal medical security with all the policy benefits, it is critical to choose a health insurance plan wisely.

In India, a large part of the population is still ignorant of the different features and benefits that are offered when you buy a health insurance policy. It is due to this lack of information that most individuals end up with an insufficient policy and hence do not renew it after the end of the policy term. To ensure that the health insurance policy is the best insurance that your money can buy, you must carefully read different policy quotes on health insurance. The conventional mode of meeting different insurance agents selling health insurance policies is now replaced with an online search. This revolutionary shift in seeking information is preferred by many as you have quick access to reliable information that too at your convenience.

A search online is likely to give you an exhaustive list of the best health insurance policy in India which would surely help you decide better. However, before you sign up for any such policy, ensure that the features listed in the policy plan truly make it the best insurance on health. The first thing that prospective buyers of a health insurance policy must check is the extent of medical coverage. The policy plan must clearly state the types of ailments covers and the reimbursing limit of the policy.

Apart from the medical coverage, you must also check if the best health insurance policy in India is offering flexibility to customise your sum insured. This customisation feature will help you to adjust the premium structure in a way that will perfectly fit your budget constraints. The policy must also allow you to include essential add-on covers with a subtle rise in the total premium amount so that you can extend the overall coverage offered by your health insurance policy.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

IRDA Reg. No. 115

Toll Free No: 1800 2666

Job Code: EC013022MI

Product Code: Misc 128

Write a review