5 Quick Tips for Getting Best Medical Insurance Coverage
Choosing the right insurance plan with the right amount of coverage is mandatory. One shouldn’t be under-insured; your insurance plan should cover you sufficiently without any loop holes. Before you zero down the best health insurance plan for you always check your health insurance or medical insurance coverage. Your health insurance coverage widely depends upon your age as well as your medical history, hence let’s understand how to find out the right amount of coverage that you require.
Health insurance basic coverage
The term ‘coverage’ refers to the extent or Sum Insured of medical protection given to a policy holder by an insurance company. As the insurance policies differ from each other, the coverage limit will also vary. The extent of policy coverage provided by a company is stated in its policy document. Hence, it is always advisable to read the policy document before signing up. This will help you in getting the health insurance with best coverage.
Different types of coverage you must look out for
- In patient hospitalization
- Maternity cover
- Critical illness cover
- Ayurvedic treatment cover
- Health check Up
Importance and role while choosing health insurance
While buying a health insurance although most of us look at the premium, however it is important to look at the list of inclusions and benefits that you get. Additionally, waiting periods for pre-existing disease also act as an important parameter to make a buying decision. If you are suffering from pre-existing ailment, check the waiting period for your disease, as you won’t be covered until that duration gets over.
Can health insurance companies deny coverage?
Yes, in many cases Health Insurance Company can deny coverage. If you are suffering from cancer or HIV, health insurance shall be denied by almost all the health insurance providers.
HDFC ERGO provide best health insurance coverage
We offer you a wide range of policies with a host of features and benefits to avail. Additionally, you get discounts for buying insurance on individual sum insured basis for more than one member of your family.
Wide range of plans to choose from
HDFC ERGO offers a wide selection of plans to match your requirements. You can also choose the plans depending upon your family size and age.
Network of over 6000 hospitals
HDFC ERGO has tied up with a wide list of hospitals to offer cashless hospitalization for its customers. Click here to find the list of hospitals.
HDFC ERGO offers round the clock support for your convenience and a hassle-free experience.
Trusted by Millions
HDFC ERGO is a recognized brand for taking care of your insurance needs. With over 75 lacs happy customers, the brand has been assigned ‘iAAA’ rating by ICRA indicating its highest claim paying ability.
HDFC ERGO allows you to buy policies online. With loaded benefits, buying health insurance plan online will save your time and secure your health with a wider cover. Here’s a list of benefits you must avail while buying online health insurance policies.
To know more buy and explore health insurance plans and its benefits click here