Health Insurance: Due to the corona epidemic, people are now understanding the importance of health insurance. Experts say that people have now started taking health insurance cover keeping in mind the expenses incurred in the hospital. There are many types of health insurance plans available in the market, so people should be careful in taking any plan and choose the right health insurance cover for themselves. This reduces the worry of hospital expenses to a great extent. Here we are telling you what things should be kept in mind while taking health insurance cover.
how much should cover
The first question that comes to mind is that how much health insurance cover will be sufficient? Dipika Jaikishan, Co-Founder and COO of Basis says, “There is no easy answer. We cannot predict what kind of disease we might get in the future. Broadly speaking, it can be understood in such a way that if we fall ill in future, which hospital can we go to for treatment. What is the cost of heart bypass in that hospital? At least one should plan to take medical cover keeping in mind the cost of heart bypass in the hospital.
personal medical history
There is another way to understand how much your medical insurance cover should be. You can also get an idea of this on the basis of your age, medical history and lifestyle of family members. How your health will be in the future, it depends to a great extent on these things.
Usually, health insurance companies ask for this information in advance. By taking all kinds of information from you, it is ensured that you do not face any major health problems in future. “We should keep in mind the cost of treatment for most common ailments and ensure that the policy covers them,” says Jaikishan.
Must have an adult 10 lac cover
Overall, insurance experts recommend that an adult (above 21 years) should have a cover of at least Rs 10 lakh. Also, as they grow, the amount of cover should also increase. Jaikishan says, “Even at the age of 20, many people need medical insurance. Premiums are cheaper when you are younger and have better health. As we get older and with age, many diseases start to surround us, then the premium also becomes expensive.
Coverage changes with family status
The coverage should be chosen according to your changing family situation. For example, after marriage you have a family. In this case, you can opt for the family floater plan. It covers both husband and wife. The family floater plan you choose can be changed as the family grows. Jaikishan adds, “Despite being a family floater plan, it is important to have an individual cover. If a woman does not have an individual policy and she is associated with her husband in the family floater plan, then in such a situation, the woman may have to face difficulties in case of any rift in the married life. Irrespective of how good the relationship between husband and wife is, an individual health insurance policy is a must buy.