subject: Carefully Choose Your Medical Policy Provider From The Many Health Insurance Companies Around You [print this page] Medical insurance is one of the most essential things in life these days. Ever increasing cost of healthcare can make it extremely difficult to cope up with the medical expenses. Health Insurance companies in India however, can make a difference to your situation by providing financial protection to your entire family under single Medical Insurance plan. Several Indian Health Insurance companies provide family floater and individual health insurance coverage plans to meet healthcare requirements.
Many people typically tend to question the need for a Medical Insurance policy. They feel that healthy lifestyle and healthy food should suffice and rule out the need for any kind of insurance. Sometimes the reasoning given by people for not buying a Medical Insurance is that it has no relevance to them.. However, while trying to justify their stand they fail to understand that a Medical Insurance is not a protection against the uncertainties itself. None of the Health Insurance companies in India can actually provide you absolute protection. A health insurance policy from Indian Health Insurance companies can however, provide the financial protection against the expenses resulting from such sudden illnesses or an accident requiring emergency hospitalisation.
When an uncertainty with respect to health of a family member strikes, it has a huge emotional impact on the entire family. This emotional stress gets further aggravated due to loss of revenue and expenses incurred to restore health. medical insurance provided by Indian Health Insurance companies can certainly take care of the latter part of your stress by extending financial protection. There are several Health Insurance companies in India that can allow you or any member of your family to benefit from the cashless emergency hospitalisation facility.
Selecting the right insurer however could be very challenging. The thing that you should look for is amount of coverage, diseases covered under the plan, requirement of co-payments if any, exceptions in the policy, and so on. You should verify the credentials of the insurer and make sure that they offer 24x7 operational call centre facility to assist in case of emergency along with a broad network of hospitals.
Once you have availed a health insurance policy from any of the reliable Indian health insurance companies, you can simply walk-in to the hospital and participate in the cashless hospitalisation program of Health Insurance companies in India. You can do so by carrying your identity card issued by the insurer to avail cashless hospitalisation. However, the insurer may insist on prior approval from the third-party administrators in case the hospitalisation requirement is known atleast two to three days in advance.
Therefore it is of prime importance that you choose a policy provider very carefully.
by: Lalit Kumar
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