Health insurance companies are notably increasing their number with time. To meet the requirement of people, they have come up with many benefits and features to satisfy you. Unknowingly, you believe in their promises without having any doubt. But everything what they say is true – is not right. The reality differs from what you think. The fine prints reveal the benefits you are going to get from the company. Ignoring fine print means you ignore your financial stability in needs. This is not an easy task to choose the right insurance for you, especially when you have so many choices to pick. Read about the companies and narrow down your list first. Asking simple four questions will help you make the right decision for your health insurance.
Do they support you the way you want?
Check whether your chosen company has all modern ways of communication. You should not ignore the factor as long as you are dealing with uncertainties. Here are a few more points that you need to consider.
Read reviews and ratings of the customer service tax.
Know the 24/7 helpline number of the company.
Check whether you can pay bills online or not.
Have knowledge about the mobile apps of your company
Do they give you health benefits?
Many companies have come up with health perks for their policyholders to encourage them for a healthy living. The plans are different for companies, but they have one motto – stay healthy. Below are a few factors associated with the health perks offered by the company.
Companies offer reward points and freebies for a claim-free year.
They also come up with some percentage of enhancement on the sum insured.
They offer different health programs like quit smoking to appreciate your healthy lifestyle.
Do you have medical treatment flexibility?
Medical treatment flexibility means you can choose hospitals of your choice for your treatment. Most of the companies have come up with an empanelled hospital network where you can opt for the cashless claim settlement, as per the terms of the company. The empanelled network should be large enough to accommodate your desired medical requirements.
Do you know where to go when applying for the claim?
Having complete information about the company is as much necessary as picking the right health plan. Do you know the location of the company you are insuring with? Read the complete details of the company before deciding anything.
These few things will definitely help you choose the best company that leads you to opt for the suitable plan. Asking a few questions and resolving your doubt is the best way to secure your health for the coming days.