Group Health Cover: If you are employed then you must have got group health cover from the company. But as soon as you leave the company or retire, you will no longer be a part of that health cover.
Health Insurance Plans: People have understood how important health insurance is after the Corona epidemic. Awareness about this is being seen among the people. If someone is admitted in the hospital, how much bill will come, nothing can be said. In many news the bills have been seen in lakhs and crores. But there are still many people who have not taken personal health insurance. That is, they are still dependent on the group health insurance of the company. If you are also doing this, then it is very important to know some things.
If you are employed then you must have got group health cover from the company. But as soon as you leave the company or retire, you will no longer be a part of that health cover. Such a time may also come, when you do not have a job, then it is very important to have a health cover. Now understand what things should be kept in mind before taking personal or individual health cover.
1. Benefits will not be available immediately
When you take an insurance policy, you do not get its benefit immediately. There is a lock-in period for some time. That’s why you should take health insurance in advance so that whenever the time comes, you can use it.
2. Give Correct Information
While taking health insurance, give correct information related to health. If you smoke or drink, then tell that too so that there is no problem in the claim going ahead.
3. Select Add on
Some add on rights are also available when you opt for health insurance. You have to pay a little extra for these. Their benefit is available at the time of any serious illness. This gives you an extra layer of protection. The rules regarding ICU and room may also be different in some policies.
4. Make Ayurvedic method a part
Some people prefer treatment with Ayurvedic medicines more than allopathy. In such a situation, you can take AYUSH cover in the policy. This is already covered in the policies of some insurance companies. In some, a sub-limit is kept. But you should take such a plan, in which more limit is being given for Ayurvedic treatment.
