For a majority of us, well being our beloved ones is of greater importance in comparison to our own health. People take up strong measures to safeguard their family's health to prolong their life. In that context, to gain an upper hand on the uncertainties that will occur later in life, a functional health insurance is more than just necessary. However, when you plan to do so purchase a health insurance for family, there are a few things you must keep in mind.
Network hospitals: The first and the foremost thing to check is the list of network hospitals. The primary reason to do so is to find out if the list includes facilities that you visit often.
Pre/Post hospitalization: The medical expenses incurred before and after the hospitalization process is known as pre and post hospitalization expense. Most insurance schemes don’t cover these expenses while the others do. Therefore, before taking up the plan, make sure your scheme has such benefits.
Maternity Benefits: Pregnancy is one of the most expensive medical expense due to the rising cost. Thus, if you are to take a medical insurance, make sure it has maternity coverage.
Read More- What is covered under Maternity Health Insurance?
Claim process: Last but the essential factor to consider is the claim process. Find out the average time the insurer takes in claim settlement. You can take some help from the reviews, talk to the existing customers, and read the policy for the same.
You can know more about such plans by checking the reference:- Top 5 Family Health Insurance Plan in India
Alisha Antil is your best financial helper for insurance. She has a vast experience in finance and insurance and provide to you the expert advise in insuring your property and health. She has in depth knowledge and has written more than 1200 blogs on topics related home and car insurance. She also provide you with knowledge about home improvement and cooking.