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Insurance Article

What must you consider to buy the best health policy in India?

March 11 2013

It thus becomes extremely important to take into consideration several aspects of policy coverage so that you buy a policy which is in accordance with your needs and budget. Following are some key elements which you need to keep in mind to buy a good health & safety policy for yourself or your loved ones.

Easy access: With hectic lifestyles, managing your daily schedule is an uphill task. In such situations, it would be extremely cumbersome to set aside time for meeting with insurance agents or going to the insurance office to acquire health policy quotes. Thus, it would be more convenient to access health policy quotes online as comparing them is not very time consuming.

Eligibility: The entry age of health policies is extremely important. At times, you are required to undergo medical tests once over a certain age. Also, the renewability age limit must be taken into account depending on your current age. The ICICI Lombard Complete Health Insurance (ILCHI) cover by ICICI Lombard for example does not require persons below 46 years of age to undergo medical checkups.

Flexibility in policy: Some of the best health policy in India offers the option of customising health plan according to your needs. Not only that, you may also need The CHI cover for instance, allows flexibility to structure the premium according to your needs. Not just that, the policy also offers add-on covers which enhance the overall policy features.

Coverage offered: Once you have spotted the correct policy, it is important to check the extent of coverage offered by the policy. For this, you need to read carefully the health and safety policy wordings. You need to carefully understand the policy structure and get clarity on deductibles, if any, as it is the amount which will have to be borne by you when availing of any facility or medical service covered by the policy. The types of medical expenses and ailments covered are other important aspects which will be deciding factors during policy purchase.

Purchase and renewability: Policy purchase requires the completion of essential paperwork and processing time. When buying the policy online, this process is greatly simplified and is reduced to the filling of a simple form with essential details. This facility makes this insurance cover the best health policy in India as it offers the ease of purchase whether at home or at work. It is also important to assess the renewability, limit depending on your entry age. ILCHI cover offers life-time renewability so that you can enjoy the benefits of the policy without any interruptions.

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. ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

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Job Code: EC012422MI

Product Code: Misc. 128


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