Rely on a health insurance company that understands your needs

Choice of a health insurance company depends on the plans the company has and whether they are suitable for you. You may study the provisions of different plans like, pre and post hospitalisation, family floater policy, cashless benefit policy for senior citizens and select a suitable health insurance company that may serve your purpose.

In recent years, the medical world has risen to great heights with many discoveries. The emergence of new researches and studies has shown that many of us are prone to more fatigue and illness due to our lifestyles. Therefore, to find a suitable health insurance plan from a reputed insurance company with good track record is the only solution to this burning problem.

You need to select an insurance company that appreciates your needs and provides you with appropriate cover.

Requirements for health insurance are varied and you have to select those which are essential for you and the family. These may be categorized as follows:

• Pre- hospitalisation and post- hospitalisation benefits - Some mediclaim policies may provide up to 60 days or 90 days of pre and post hospitalisation benefits. Prior to getting admitted in a hospital from illness or surgery, your physician or surgeon may ask for various tests to be conducted and also prescribe medicines. Similarly, after discharge from the hospital, you may have to take medicines or get tests conducted till you are finally declared fit. A reliable company provides for these costs in their plan.
  
  
• Family floater policies- In the family floater policy, the sum assured can be availed by other family members also. Each opted member of the family gets cover under this policy. The premium for the family floater policy is less than the total sum assured if each member had a separate policy. The family floater policy is a convenient plan for a family because each member gets a cover.
  
• Cashless facility- Cashless facility is an eagerly sought after facility by all. There is a network of hospitals with tie ups with the company dealing with health insurance. A simple procedure is required to be followed prior to hospitalisation. With the cashless facility, the insured does not have to spend anything either for admission or for treatment provided the cost is within the insured sum.

A health insurance company may provides cover especially for senior citizens. The plan covers hospitalisation expenses as well as expenses in case of treatment for critical illnesses. The diseases falling in the group of critical illnesses are:

• Coronary bypass surgery
  
• Renal failure
  
• Cerebral attack
  
• Cancer
  
• Major organ transplants like kidney, pancreas
  
• Paralysis
  
• Critical illness cover is optional
  
  

  Also another factor is that the company has to be reputed and you should not be in a situation where you are stuck with claims that the company refuses to pay attention to. Therefore becoming customer of an insurance company that has a good track record is important.