The best medical insurance plans are the ones that help you deal with any unforeseen exigencies without having to run from pillar to post. Today, there’s a wide range of insurance plans available to purchase online; however, at times, it might get difficult to find one that’s best suited to your needs and requirements.
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So, what makes an insurance plan stand out amongst a horde of the other options available in the market? Let’s have a look.
100% Complete Cashless Hospitalization
Although every health insurance is cashless these days, they still might leave out a lot that needs to be taken care of by you. A 100% cashless hospitalization means that there are no caps on room rent, deductibles, and even charges incurred on consumables need to be covered because if that’s not the case then you might need to shell out money from your own pocket and though these charges which might not seem much at first, they could quickly escalate to lakhs added in extra cost. Therefore, it’s always a good idea to opt for a plan that does not cap your room rent, takes care of the charges incurred on consumables, and doesn’t have any deductibles attached to the plan.
Coverage for Pre-Existing Diseases
Pre-existing diseases aren’t normally covered from day one; however, the duration after which they are covered under the plan varies across plans, which is known as the waiting period. Therefore, it’s best to choose a plan which has a minimum waiting period so that coverage for any pre-existing disease can begin as soon as possible.
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Network Hospital
A health insurance policy is only as good as the quality of hospitals in their network. It’s always better to opt for a policy that has a high number of well-reputed hospitals on their network, rather than choosing one that has equally high not-so-good hospitals on their roster. Also, when it comes to the hospital network, it’s important to see whether hospitals within your immediate locality are covered since that will help you shave off precious time wasted in traveling to a faraway hospital in times of emergency because the one nearby isn’t covered.
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Exclusions
Just because you bought a health cover doesn’t mean that you have everything covered. There are a lot of exceptions when it comes to coverage and the best medical insurance plans are the ones with the minimum number of exclusions. The exclusions are clearly mentioned; therefore, ensure that you go through the list so that you don’t end up choosing only an average insurance policy where the list of exclusions is greater than the list of inclusions.
No Claim Bonus
Under normal circumstances, a health insurance policy would only be required most during the golden years of your life. Therefore, the best medical insurance plans offer what is called a ‘no claims bonus.’ This increases your overall coverage for every claim-free year and the average bonus typically ranges between 10-50% which increases your overall coverage. This gets added year on year if no claims are made, thus increasing the overall coverage which comes in handy during the later stages in life.
Care Health Insurance offers some of the best medical insurance plans in India and offers comprehensive coverage for your entire family with no co-payments, deductibles, or caps on room rent. The insurance also offers cover for advanced treatment options such as robotic surgeries while at the same time providing cover for traditional medicine such as Ayurveda, Unani, Siddha, and Yoga.
Getting covered is a conscious decision that you should make during the earlier stages of your life to get the maximum benefit out of them because as you grow older the premium would get more expensive if you opt for one later; therefore, it’s always best to get ensured while you’re still young.