Medical expenses are increasing day by day. According to experts, everyone must have a health cover. There are many companies selling health policies in the market and there are many policies too. But before buying it, there are some special things that it is beneficial to understand in advance. If you buy the policy later without doing a good investigation, then you can get upset on the spot. Let us understand what special things should be kept in mind before taking a health insurance policy.
1# Don’t think that money will be wasted
Many people understand that investing money in health insurance considers it a waste of money. Experts say that if due to any reason you fall ill or get injured in an accident, then health insurance cover gives you immediate financial relief. It is better to take health cover even after paying a nominal premium.
2# Buy Policy After Compare with Peer Insurance company
Whenever you are buying a health insurance policy, definitely compare it with the policies of other companies. You can also take help of internet for this. If needed, you can also take the help of an advisor. Always buy a policy only after understanding what will be the liability of the company in case of critical illness, pre-existing illness and accident.
3# Insurance Policy amount will be cheaper to buy soon
If you take a medical policy at an early age, then you have to pay less premium. According to experts, if you take the cover before the age of 40, then you can get maximum benefits without any condition. No claim bonus and other benefits are also available on timely renewal of the policy.
4# It’s not wise to hide illness
When you are buying the policy, do not hesitate to inform the company about the pre-existing diseases. Even if the premium has to be paid a little more, but hiding it can only harm you. The company can reject your claim for giving wrong information. That is, during the treatment, your claim may be rejected and your problem increases.
5# In case of getting a critical illness plan
If you have taken a critical illness plan that requires long-term treatment, then claiming in such a situation means that your premium will increase continuously. Don’t fall into this trap of getting a new policy. Experts say that in such a situation, take a policy that can be renewed at any time in life.
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