subject: Best Health Insurance: Whom Shall You Consult? [print this page] When it comes to health insurance, it is difficult to understand which one is the best health insurance plan for yourself, your family, your parents and your employees, etc. However, unless you are an expert from the same profession, do not take the risk of over believing yourself. You must take the help of professionals from the same field. Ask your friends or your known doctor for the best health insurance plans for you. Your doctor can be of tremendous help in this regard because he knows you and/or your family history of diseases and illnesses and, hence, can advice you on the appropriate time and policy to take.
Another group of people who can advice you on the best health insurance policy to take are the accountants. Since almost all the schemes have added tax benefits, which policies can give you the best tax benefits can be told by them? Many young people who are maintaining a good health take to health insurance to avoid higher tax incidence. Coverage of medical expenses for themselves or the whole family is the added benefit.
Insurance advisers shall actually be guiding you through the myriad of policies. But, in India, we find that they have earned a bad name for this profession because of their overzealous nature to sell the policies of their respective companies. They would invariably tend to hide the details from you, if not make misstatements. Many people do not prefer to call them or listen to them at first instance. This shall change since stricter disclosure norms and harsher penalties for not adhering to them are now being put in place. In fact, they are the best people to guide a person on these if they keep aside their personal profit motive aside and think from the perspective of the customer needs.
And, till the time you do not search the internet medium to know which company is providing the best health insurance plan, you may feel that the work has not been completed satisfactorily. You can find references to best plans, best quotes, comparative analysis of different plans, customer feedback of the plans and much more which will help you in your quest.
by: Addy Smith
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