Health Insurance Policy

Getting the best health insurance policy for you seems to have been the easiest task. One way is, of course, the paying agent and buy what he recommends. Chances are that you can buy the best health insurance plan, but the agent can easily do for you.

There are several important issues to resolve before you begin to acquire the best health insurance policy for you.

Question 1: Who are you trying to keep under the health insurance policy - just yourself or for your family?

Question 2: Does any member who intends to provide some pre-existing disease which is often subject to treatment?

Ans (Question 1, 2)

Trust in questions 1 to 2, you should be able to decide on the amount of health insurance policy will be needed. If you do not have significant expenditures in recent years, says the amount will be a challenge. Just does not mean you do not have health insurance coverage. The price of health care today are ridiculously high and could eliminate a large portion of their savings in case of meeting an accident or even admitted that influenza remains a threat that is in the air. Treatment costs of hospitalizations basics can get a hole in your savings. If you do not incur any charge, you are sure to choose an amount of at least 20% of its annual turnover in progress, with a nominal amount of coverage of Rs. 1, 00000.

Question 3: What are the average medical costs they have incurred as a result of hospitalization during the last 3 years?

Ans (Question 3)

Question 3 is not only a large number of policy coverage you want, but also states the period in which the pre-existing conditions are starting to get covered by health insurance. Most companies have been waiting period of 2-3 years before the health insurance plans will comply with existing medical conditions. Similarly, it is not wise to hide these facts, when you apply for health insurance plan. Status of all the details honestly, so no surprises when you go in and demand. All information must be properly completed.

Question 4: Is there a hospital near the residence, which is the preferred place to resolve the problem?

Ans(Question 4)

Now go to Question 4 This is a factor to be taken into account when buying health insurance policy. While not an absolute necessity, one of the main reasons for taking health to ensure that in the case of an emergency medical crisis, the last thing it would be a potential obstacle is the availability of money. Hence the finding that the health insurance company health insurance has no cash alliance with the hospital next to your place can be a great advantage. Therefore, it should be part of decision making.

Question 5: Are you and your family already provided by a group health plan from your employer?

Ans (Question 5)

The last question 5 Many of us are insured under a group policy of health care of our needs. It suggests that buying a separate policy. This increase in value because there would be no risk if you are between jobs foreseen or unforeseen. With the acquisition of companies in India's plans for increasing the hiring and firing, the last thing they need health care costs when they are unemployed. Similarly, if you choose an individual plan, there would be a fixed period to cover pre-existing diseases. Your call with time, but recommended.


With this particular nature of the limited list and plans for more health insurance policy. Not always the cheapest option may be the wisest thing to do. All insurance is an obvious live a healthy life, but even then, accidents can happen so insurance is your best choice!

• health insurance companies
• group health insurance
• Individual health insurance
• Student Health Insurance
• travel health insurance
• point-of-service-plan-pos
• fee-for-service-plans
• preferred-provider-organization
• health-maintenance-organization-plans
• non-skilled-care
• skilled-care