Make sure you compare policies based on the same aspect as well. Lifetime Renewability : As per IRDA, it is mandatory for health insurance companies to provide lifelong renewability.You must make a choice on whether your health insurance company will allow refill of the sum insured or not. Refill Sum Insured : Refill of sum insured is one of the key aspects based on which one must perform comparison of health insurance policies.It is important to check the sum insured offered and compare it based on the insurer as it will form the base for premium. Sum Insured Amount : Different insurance companies may offer different sum insured amount for one year.Therefore, it is important to look for network hospitals in your city so that availing cashless treatment is easy if and when the need arises. List of Network Hospitals : Most health insurance policy buyers avail cashless treatment at the time of making a claim.Make sure you consider both while comparing your policy options. Each policy type has its own advantages and disadvantages. Policy Type : The decision to buy an individual policy, family floater, and senior citizen policy is yours.Reading public reviews of the company may also help you in getting an overview.
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Health Insurance Company : Check the company for its IRDA registration as well as Claim Settlement Ratio.Here are the prime factors a health insurance policy buyer must keep in mind while performing comparison: Moreover, it is important to consider all major aspects so that the comparison performed is complete and does not lack clarity from any end. Things to Consider While Comparing Health InsuranceĬomparison of health insurance policies must be performed on the basis of elements that form the base of a plan. Considering various key factors like waiting period, pre-existing disease and others will help you make wise decisions at the end. To Make Sensible Decisions - Performing health insurance policies will introduce you to significant aspects of health insurance as well as the norms.
Furthermore, while many companies may offer benefits like AYUSH, alternative therapeutic treatments and others, some may not.
For instance, emergency ambulance service charges may vary with insurers. Comparison of the health insurance plan may help you to discover additional benefits in detail. Comparison may also help learn about some unknown additional benefits. To Get Additional Benefits - While performing comparison of health insurance policies, there are high chances that the buyer finds out more about the additional benefits.Since different health insurance companies offer different policies with different features, it is always worthwhile to invest time in comparing all the possible options first.
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