These days with most jobs being restricted to your desk it leads to a mundane sedentary lifestyle. Coupled with poor eating habits, careless attitude and rising level of accidents you are bound to fall ill. In addition to this, the complexity of diseases causes major caution. Normal surgeries can cost anywhere between 30,000 to 70,000 or more complex procedures can cost over 3-4 lakh. If this kind of surgery comes up unexpectedly, it is difficult to pull together funds easily. For such contingencies, it is vital to have a health insurance plan. Today, you can avail a health insurance online making it an easy process. There is a constant confusion about the difference between a health insurance and mediclaim policies. One sharp difference is that while a mediclaim will target all the charges incurred at the hospital, the former covers other issues as well. These days you find health insurance policies, with mediclaim included. While choosing an insurance policy you should refer to the following tips:
1. Know you Company While choosing an insurance, it is important that you know the company, you are dealing with. Do a complete research of their background, their management, their policies and their reputation. It is better to choose a general insurance provider rather than a life insurance company. You can check for online customer reviews of the company in question to get a real perspective.
2. Know your Plan While choosing your plan you need to be aware of the various features under your health insurance policy. Make sure that these features coincide with your respective health needs and concerns. It is vital to know the exclusions, as this is something most people neglect. Make sure that your policy covers all the major diseases and procedures.
3. Know the Cost The cost of the policy should be a defining factor. The amount of premium you have to pay should be a big determinant. In order to calculate the premium amount, you can use an online premium calculator. This will allow you to know the exact amount of premium required and help you compare with other policies. Choosing your health insurance is an important decision, as it has to do with your well-being. It is important to be prudent and precise and this is your health in concern.