What Health Insurance to Buy

Buying Health InsuranceWhy buy health insuranceWhat to buy health insuranceHow to buy health insurance and from whomYou and your health insurance policy: FAQDos and don'ts for health insuranceGeneral advice for health insuranceBuying motor insuranceBuying property insuranceBuying travel insuranceBuy with care: Do some dos and don'tsKnow your rights and dutiesBe alert!Special groupGeneral resourcesquestions to askAvailable productsYou are hereBuying a Homebuying Insurance to Buy Health Insurance Health InsuranceWhat to buy health insuranceImpressionImpressionE-mailE-mailA health insurance policy will normally cover expenses incurred in respect to each insured person, under the overall limit of insurance coverage (for all claims during a policy term) and will be essentially done under the following heads.

    Chamber, boarding expenses
    Nursing expenses
    Surgeon, Anesthetist, Doctor, Consultant, Expert Fees
    Anesthesia, Blood, Oxygen, Operation Theater Charge, Surgical Instruments, Medicines, Medicines, Clinical Materials, X-rays, Dialysis, Chemotherapy, Radio Therapy, Cost of Speed ​​Producer, Artificial Limbs, Costs or Orbs and Similar Costsinsurance coverageThe sum assured given can be for the family on a personal basis or on a floater basis.Cumulative Bonus (CB)The health insurance policy can offer cumulative bonuses in which for each claim-free year, the sum insured is extended on the basis of maximum percentage (usually 50%) at the time of renewal. In case of any claim, CB will be reduced by 10% on the next renewalCost of health checkHealth policies can also have provisions for reimbursement of health check costs. Please read your policy carefully to understand what your permission is.Minimum period of stay in hospitalTo be eligible to make a claim under the policy, it is essential to have minimum stay in the hospital for hours. Usually this is 24 hours. This time limit can not be applied for the treatment of injuries and fixed specific treatment. Read the policy provisions to understand the details.Before and after hospitalization expensesExpenditure incurred during the first few days of hospitalization and can be treated as part of the claim of expenditure incurred for hospitalization for the specified period from the date of the leave provided the expenses related to expenditure / sickness. Go through specific provisions in this regardCashless facilityInsurance companies have a network of tie-ups with a network of hospitals in the country. If the policyholder treats any work hospital, then there is no need to pay hospital bills to the insured person. The insurance company will arrange for direct payment of the hospital through its third party administrator (TPA). The expenditure of the sub-limits set by the policy or items not covered under the policy will be expended by the insured directly by the hospital. The insured can take treatment in an unlisted hospital, in which case he has to pay the bills first and then have to reimburse the insurance company. There will be no cashless facility here.