8 Tips to remember before purchasing a health insurance policy

Choosing the right health insurance is an important decision because it provides immediate medical assistance in an emergency, giving you a sense of security. However, there are many people who buy insurance policies based on their agents. It is recommended not to disturb their personal requirements. For them, it is recommended to keep the following 8 tips when doing health insurance:

Tip 1 from

 : You must purchase health insurance regardless of whether your company provides corporate health insurance. Sometimes you resign or your company decides to withdraw benefits or provide insurance that is not suitable for you, in which case your personal health insurance may benefit you. This becomes even more important if anyone in your family has a chronic illness.

Tip 2 from

 : Always choose the appropriate amount of insurance amount. If you live in a small city, your health insurance should be around 3-5 million rupees, and if you live in a big city, your health insurance should be no less than 50,000-100,000 rupees. Don't buy a new plan; instead, port it for maximum benefit. When you migrate your plan, the revenue already accumulated in the old plan will be transferred in the new strategy. Also, upgrade your health insurance from time to time to take care of your medical inflation.

Tip 3 from

 : Buy health insurance as early as possible, especially before you are 40 years old. This is because you are unlikely to file a claim in the early stages of life and you can get the benefits of no claim bonus in the future and add up in each free claim year.

Tip 4 from

 : Always buy a cover that provides a lifetime renewal. In this way, you can get health insurance at an older age - when you have a major health problem, you can only provide coverage if your policy provides a lifetime renewal.

Tip 5: Buy a policy that gives you a recovery limit in case you fully use your coverage. This will be a backup guarantee for unforeseen critical illnesses that can be very expensive to manage. For example, the 3 rupee 3 rupee plan has a recovery limit of 30,000 rupees, which can provide you with almost 600,000 rupees of major illness protection at no additional cost.

Tip 6 from

 : Always purchase health insurance through a well-known agent to help you make a claim in the future. To do this, you can seek help from an online website to select a plan or check feature, but you can only purchase health insurance through an agent or company that has the ability to help you claim or provide a simple claims process.

Tip 7 from

 : Always provide correct and truthful information in the application form. If you have any disease or illness, don't forget to mention it in your application. You can seek the help of an agent who can help you make the right plan and cover the disease even after waiting for a while. Currently in most policies, all pre-existing diseases are covered after 3 to 5 years.

Tip 8 from

 : Buy a policy with no or minimum sub-restrictions. Pay close attention to the plan to provide hospital housing prices. This saves money and makes you feel relieved.

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