Important Points before Renewal of health insurance

Namastey friends 🇮🇳🙏🏻

Hello friends, how are you? wishing you all happy and prosperous life ahead.

Today i would like discuss about the importance point to keep in your mind while renewing your health insurance. Health insurance is very important, earlier in India people are not aware of it and it's importance but now every corporate company and government jobs is providing health insurance as insurance play an crucial role in everybody's life.

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Diseases can come any time but whenever an uncertain disease comes, it causes loss of money and even sleepless nights, hence we should be prepared in advance that if such a disease comes in our life, then we do not need to worry atleast financially.

There are so many advantages of health insurance such as coverage for hospitalisation expenses, pre-and post-hospitalisation expenses, less cost of testing and medicines and the cost of treatments and surgeries. Health insurance benefits also include cashless hospitalisation, daycare procedures, and the best of health insurance is thar it also coverage for pre-existing illnesses after a waiting period of only one year. These policies offer you financial security and even peace of mind, ensuring you and your family remain protected against medical expenses and life’s uncertainties

They take health insurance policy as influenced by policy agents and if they don't get it for one year then people feel that it is wasted of money and hence they do not renew their insurance further, which they do wrong, so today I want to tell you that whenever you renew your health insurance,keep this point in mind.

Review your Existing Policy

Always remember, while reviewing your past policy mainly focused on Sum insured, is it sufficient according to high inflation in medical expenses, if no then upgrade your policy with some more extra amount simply giving extra premium.

Policy Coverage

it is also important to review, as check what your current policy considering,if want adding some more circumstances like accidentally death benefit, critical illness, like some surgeries cost etc

Network Hospitalizations

For health insurance, examine the list of network hospitals tied to your policy. Ensure that these hospitals are easily accessible by youand provide High quality healthcare services with all the medical departments. you can add any of your preferred hospitals or medical facilities as review your policy, you may opt for another package of policy.

Claim settlement Ratio

Under the whole procedure of how to claim during health emergency, remember Higher claim settlement ratio indicates Higher chances of your claim will be settled immediately.

Renewal Process

You must pay the premium on time to avoid policy cancellation and any type late penalties. Inform the policy agents about any changes in your address, phone number, or dependents. Fill out the declaration of health form honestly. Thoroughly read the term and condition before submitting your newed health insurance policy.

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To tell you the truth, earlier I also used to think it stupid to take a health insurance policy, agents make us fool and the second reason is that I lived in a small town, insurance is not very common, so I have never taken it. But now I have understood its importance. I have taken health insurance this year.I wear glasses, which I don't like at all, so I thought I would get my eyes operated through insurance next year.

Thankyou

@gargi 🇮🇳🙏🏻

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