Family Health Insurance Checklist for First-Time Buyers in India

The market offers a variety of plans and covers under health insurance. It is, however, essential for the customer to be able to choose the best health insurance amongst all the options available. Knowing the basic definitions and the details of the cover that you as a customer are about to purchase is a must. While opting for a health insurance plan covering your loved ones, it is imperative to dive into specific requirements to address any and all medical issues that your family members may face going further.

Things to Remember When Choosing the Right Plan

1. Always take adequate cover. Make sure the cover is sufficient for all the members of your family.
2. Never depend on your employer's medi-claim. A comparative study on mediclaim vs health insurance would help you to identify what you are missing on and realise that it is always wiser to purchase your own health insurance.
3. It is always advisable to group hospital cash, critical illness and other available health benefits in your base cover for getting some form of compensation for non-payable losses.
4. Always keep note of covers and maximum limits.
5. Always declare any pre-existing diseases
6. It is always better to opt for ailment specific covers.
7. Try and keep increasing your sum insured (SI) with the rising cost of medical expenses.
8. Analyze the sum insured properly and go for a floater SI or an individual SI in accordance with your age.
9. Purchase a cover that has ailment specific features.

These tips will surely help in finding the best family health insurance plan for your loved ones. For more understanding of health insurance and to even get expert health insurance advice, visit the Bajaj Allianz General Insurance  website today.

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