Health insurance is no longer optional — it’s a necessity. With rising medical costs, a single hospital visit can wipe out years of savings. But buying just any policy isn’t enough. Here are 9 crucial things you must check before finalizing your health insurance plan.
1️⃣ Coverage Amount (Sum Insured)
Choose a coverage amount that matches today’s hospital costs. For a metro city, ₹5–10 lakh coverage is a safe starting point for individuals. For a family, go for at least ₹10–15 lakh.
2️⃣ Network Hospitals
Always check the list of cashless network hospitals. Make sure reputed hospitals near your home and workplace are included so you can avail cashless treatment during emergencies.
3️⃣ Room Rent Limit
Many policies have a room rent cap (e.g., ₹5,000 per day). If you pick a higher room category, you may need to pay extra. Opt for a policy with no room rent limit if possible.
4️⃣ Pre & Post-Hospitalization Cover
Good policies cover medical expenses incurred 30–60 days before hospitalization and 60–90 days after discharge. Check these limits carefully — they can save you thousands.
5️⃣ Day-Care Treatments
Modern medicine allows many surgeries without 24-hour hospitalization. Ensure your policy covers day-care procedures like cataract, dialysis, chemotherapy, etc.
6️⃣ Waiting Period for Pre-Existing Diseases
If you have diabetes, hypertension, or any chronic illness, check the waiting period (usually 2–4 years). Shorter waiting periods are better.
7️⃣ No-Claim Bonus (NCB)
A good health plan rewards you with increased coverage if you don’t make claims in a year — some even offer up to 100% extra coverage over time.
8️⃣ Co-Payment Clause
Some insurers ask you to pay a percentage of the bill (co-payment) while they pay the rest. Go for policies with zero co-payment unless premiums are unaffordable.
9️⃣ Exclusions & Hidden Clauses
Read the fine print for exclusions like cosmetic surgery, maternity limits, dental treatments, or alternative therapies. This avoids surprises during claims.
✅ Bottom Line: Don’t just look at the premium — evaluate these 9 points to ensure you get a comprehensive policy that truly protects you and your family.
Disclaimer:
The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk..jpg)
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