Health Insurance Policy : With the increasing cases of corona in the country, now check what kind of conditions are there in your health insurance policy regarding medical emergencies like corona.
Health Insurance Policy: The number of corona cases in the country has crossed the 1,000 mark. In such a situation, people who have a health insurance policy should check its terms and conditions properly. It may happen that when the cases of corona increase in the country, it may not cover the expenses incurred on its treatment. There is still time, so check beforehand whether your insurance policy is providing adequate coverage during a medical emergency like COVID-19.
These shortcomings were revealed last time
Earlier, when the cases of corona came to the fore, many shortcomings of the health insurance policy came to the fore. During that time it was seen that the insurance company had fixed the rent limit for the hospital room. Many essential expenses like PPE kits were excluded. Apart from this, many rules were also set for hospitalization, there were difficulties in getting coverage in case of treatment at home.
Choose health insurance policy in this way
Experts believe that people living in cities should choose an insurance policy that provides coverage of at least Rs 10-15 lakh. If the number of members in the family is more than three, then a floater cover of Rs 0-25 lakh is appropriate.
It is also important that the insurance policy includes the cost of treatment at home, so that patients with mild symptoms can be treated at home. It is also very important to have the facility of consultation over the telephone, so that patients can get the advice of doctors over the phone.
Take care of this too
Along with this, the policy should also have the facility of restore benefit, so that if the insured amount is completely exhausted during the treatment, then the insurance company restores it again. By getting this extra coverage, you can remain worry free for the whole year.
Experts also believe that there should be no limit on room rent in the hospital, because corona patients are often kept in ICU or in a separate room, which are very expensive. Things like PPE kits, masks, hand gloves and sanitizers should also be covered because a lot of money was spent on these during the last pandemic.
According to experts, if the insurance policy sum assured is limited, then you can choose a super top-up policy because there are many old insurance policies in which limits are fixed and often there is no coverage for OPD expenses, treatment at home or treatment in select hospitals.
