Producer: Priyanka Das Editor: Sujata Singh
Opt for a policy that covers a wide range of diseases, considering the unpredictable nature of health issues. Before finalising a policy, ensure a clear understanding of which diseases are covered by the insurance company for treatment expenses.
Choose a family health policy instead of individual ones for each family member. This not only lowers the premium but also provides additional facilities.
When selecting a health policy with a higher sum insured, prioritise the amount covered. It’s advisable to choose a policy with a higher sum assured, even if it means slightly higher premiums.
It is important to verify that it comprehensively covers the entire treatment. Some insurance providers may exclude certain items like PPE kits, masks, gloves, and other related expenses in treatments such as Covid-19.
When selecting a health policy with extended coverage or unlimited days, it’s crucial to ensure flexibility in the number of days for hospital and home treatment. Predicting the recovery period or hospital stay is uncertain, so it’s advisable to choose a policy without any restrictive day limit.