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Planning to Buy Health Insurance - Here is the Checklist to Follow

June 18, 2018 1521

One of the wisest things to do for oneself and one's family is to buy a health insurance policy. With so many options, it gets difficult to decide what policy to choose for your family. But before anything, you should make a list of things a good policy should have. Below is a list of things you should consider before buying an insurance policy:

Amount-

It's important to be aware of the medical expenses in your city, the cost of hospitalization, medical treatments etc. Your health policy should be able to cover for all these expenses.

Cashless health cover-

At the time of medical emergencies, cashless medical cover helps to get treatment started while you can arrange finances at your own convenience. It's important to have a policy that will allow you to have a cashless health cover.

Age-

Some policies expire early. Ensure you buy a policy that covers you way till your old age but allows you lifetime renewability.

Network of hospitals-

It is very important that the network of hospitals the insurance company has tie ups with is vast and also near your place. Otherwise getting a cashless treatment would be difficult.

Company-

Ensure the company you are buying the policy from has a good name in the market and is reliable.

Waiting period-

Select a company that has the least waiting period so that you have access to benefits of the policy as soon as possible. Ensure the policy provider does not have too many diseases excluded from their policy.

HDFC LIFE offers a range of health insurance policies to take care of your health needs.

Francis Rodrigues

Written By:

Vishal Subharwal

Reviewed By:

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