5 Think to know before buying Health Insurance Policy

In the present time, health insurance has become an important part of life. Due to the COVID-19 epidemic, most people are thinking about getting health insurance. There are many companies in the market that are providing health insurance, but there are some such points hidden in their terms and conditions. Taking insurance with incomplete information can be quite expensive. Apart from this, if you do not choose the right company, you may have to make several rounds of Insurance Company in the emergency situation. To avoid such a situation, you should know a few things. health insurance in LIC

Compare Insurance policies of top companies

If you have a smartphone, then you should check that before giving insurance, which company is offering good facilities in less money.

For this, you can also visit the website of some companies. There you will get basic information about health insurance. Also, you can know the answers to all your questions by calling the customer care number. There are many such apps also available on the Internet, which help in comparing policies. In such a situation, the help of these apps can also be taken.

Choose premium according to Budget

You choose the premium according to your budget. First of all, see how many people in your family you want to cover in insurance. There are many such plans in which you can cover many family members simultaneously. For this, you can also take the advice of a knowledgeable person. Health insurance which is right according to your budget, should be taken only.

Please clear the terms and conditions first

Health Insurance Plan in LIC Before this, definitely discuss with the company what diseases will be covered in this policy. Also, what will be the company’s stand on already existing diseases. It is also important to know how the company will help you in the emergency situation. Health policy should be taken only after discussing all these points.

Check the company claim rejection ratio

Before taking health insurance, companies must check the claim rejections ratio. This means that the company has accepted how many cases in the claims made in the last 1 year and has rejected many cases. If the claim rejection ratio of a company is high, then the policy of that company should be avoided. Now-a-days companies show this ratio on their website only when it performs better.

Do not hide any disease while taking Insurance

If you are already struggling with any disease, then while taking health insurance, you should give full information to the company, so that you do not have to face any kind of trouble later. Also, you should also get information about how the company can help you in that disease. Many times people reduce their premium by hiding diseases, but their claim gets rejected if there is any problem in future. In such a situation, there is no point in getting his health insurance.

Check Best policy for you as per your Age

Also check: health insurance in lic