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FAQs 2031 views August 20, 2019
Health insurance is a big requirement nowadays. You need to get good healthcare coverage to ensure you get all the financial assistance when a medical emergency arises. However, it is not wise to simply buy the first health insurance policy that you come across. You must do your research and look for the most ideal cover. You need to get your doubts cleared on the basis of health insurance. In this article, we list a few of the most common questions related to health insurance. Take a look.
Table of Contents
A family health insurance plan is a type of health insurance cover that provides medical insurance for all the members of a family under one single policy. You can include yourself, your spouse, your kids and also your parents in such a cover. This is a helpful health insurance scheme that allows you to manage the healthcare requirements of all your loved ones from one point.
Yes, it is. You can have an employer health insurance cover. In addition, you can also get an individual medical insurance plan. Then, you can opt for a critical illness insurance cover, a personal accident cover, etc. In short, you can have more than one health insurance coverage at a time.
There are many excellent health insurance plans available in India these days, but not all are ideal for you. To find the best health insurance for yourself you need to identify the policy that matches your requirements. Look for the following factors in a plan:-
If you feel the health insurance sum insured you opted for while buying the policy is insufficient, you can have it increased. However, you cannot do so after the healthcare policy period has commenced. You have to wait for the policy duration to end, post which you can get the health insurance sum insured increased when going for a renewal.
You can cancel a health insurance policy within the first 15 days. Most of the leading Indian health insurance companies offer a free look period. you are allowed 15 days to understand the plan, read the policy wordings and agree to the clauses. If you feel the medical insurance policy is not suitable, you can have it cancelled within the first 15 days of buying it. The insurance provider will deduct the expenses incurred while conducting the health check, the stamp duty, etc and then provide you with the refund for the insurance premium you paid.
Every health insurance scheme comes with a fixed set of exclusions. It is very important for you to read the list of exclusions and then choose the medical insurance policy. the common exclusions in health insurance include:-
No, you can initiate a health insurance claim even when you have not been hospitalized for a night. Day care procedures are also recognized. By most of the top health insurance companies. You can make claims on the day care procedures, OPD expenses, etc.
In most cases, you will not have a maternity cover under your health insurance policy. However, some insurance providers do include this advantage, albeit after a waiting period. You can buy a maternity cover rider or a specific maternity insurance plan to stay covered.
Yes, you can expect a discount on your health insurance premium when you go for a renewal with the same insurance company. Many insurers offer loyalty benefits in the form of discounts when you continue with them for more than one policy period.