7 Precious Tips To Help You Get Better At Health Insurance

Today the rise of technology has also led to the onslaught of many new diseases in the world. These diseases cannot be ordinarily combated with say taking few pills but have to be treated well.

Some of these treatments are not really cheap and tend to burn a hole in the pocket. At times like these, a health insurance plays a very vital part to save your sanity and those around you. The IFFCO Tokio health insurance at all times seems to be a more viable choice. Let’s look at how you can get the best health insurance that suits your needs and finances.

Tip 1: Choose an Insurance That Is Suitable To Your Needs.

While choosing a health insurance, it’s important to understand what parameters are you looking forward to in a health insurance. Say, for example, you’re closer to being a senior citizen, then you would need a health insurance that caters to senior citizen. Or, you frequently travel, then you would need a travel health insurance. Or you can buy something that covers hospitalization and basic health necessities like IFFCO Tokio health insurance called the individual health protector policy.

While choosing a health policy ask yourself –

• What is the insurance cover that you want?
• What is the amount that you’re willing to spend?
• What is the coverage area that you’re looking for?

Tip 2: Look, And Research At The Various Types Of Health Insurance That Are Sold.

While accessing the different types of health insurances that are made available, you need to make sure what’s the one that is tailor made for you, and that can look after you and your family. For example, IFFCO Tokio health insurance has many such insurance plans, but one would need to study them to see which is better suited. Let’s take a look.

Name of the Plan	Insured Amount	Age	Coverage
Swasthya Kavach Family Health Insurance	Rs. 2 to 5 Lakhs	3 months to 80 years	Ambulance charges Daily cash allowance Hospitalization Allowance Organ Donor Expenses
Individual Mediashield Policy	Rs. 1 to 5 Lakhs	3 months to 80 years	Nursing expenses Daily allowance Hospitalization charges Health checkup cover
Critical Illness Insurance Policy	--	No age limit	Cover for major illnesses like Renal Failure, Cancer, organ transplant, etc.
Family Health Protector Policy	Up to 7 Lakhs	Up to 80 years of age.	Hospital room expenses Ayurveda or Homeopathy expenses Surgery, Pacemaker, Radiotherapy, etc., expenses. Critical illness cover
Health Protector Plus Policy	--	Up to 80 years of age.	Critical Illness cover Hospitalization expenses Health Checkup cover Vaccination expenses
Personal Accidental Insurance Policy	--	5 years to 70 years	Death Loss of eyesight Loss of Limb Permanent disability Employee, education, cumulative benefit, etc.
Individual Health Protector Policy	--	Up to 80 years of age.	Higher sum for critical illness Base charges for hospitalization, nursing, health checkup, etc. Ambulance charges Ayurveda or Homeopathy charges

Tip 3: Check That Your Health Insurance Policy Has A Wide Range Of Doctors And Connected Hospitals.

As a first-time policy applier, it is essential to check that the chosen company has a wide range of hospitals in their network. This is to ensure that they are always connected, and you wouldn’t have to go running from one place to another. Also, check that the network contains medicals stores. The IFFCO Tokio health insurance is connected with around 280 hospitals across the country.

Tip 4: Check That The List Of Exclusions Is Lesser In The Health Insurance Policy.

Most health insurance providers issue a list of exclusions that do not come with the health policy. These may also include a list of illnesses that do not come under the policy. These exclusions may be permanent or may change from time to time. Ensure that when choosing a policy, a thorough research on the exclusion section is taken into account.

Tip 5: Benefits In A Health Insurance Policy

Ensure that you always check on the benefits of the individual policies that you choose. Some benefits may be as simple as hospital room charges, or you may also include cumulative benefits for non-usage of policy. IFFCO Tokio health insurance policy offers daily allowances, ambulance charges, reimbursement of basic sum insured at the end of 4 years, post hospitalization benefits, etc.

Tip 6: Check The Coverage Of The Policy

Always check on the coverage of the policy. Check if you want a policy for only 6 months or more. Based on this coverage choose the one that is suitable for your family and you.

Tip 7: Always Consult The Policy Provider And Ask For Expert Advice.

The best way to choose the right policy is to consult an expert in the market. Similarly, check the response given to you by the insurance provider. A good consulting team that gives you pertinent advice is what goes a long way when choosing your policy.