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What Are The Parameters One Should Check For While Shopping For A Health Insurance Plan?
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What Are The Parameters One Should Check For While Shopping For A Health Insurance Plan?
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Feb 6, 2021
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SakshiSharma
What Are The Parameters One Should Check For While Shopping For A Health Insurance Plan?
#buy-health-insurance
health-insurance
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insurance-price
insurance-check
health-check
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answered
Feb 6, 2021
by
SakshiSharma
Below are the Parameters One Should Check For While Shopping For A Health Insurance Plan
Waiting periods for pre-existing diseases
Waiting period for certain surgeries/ailments/procedures
Sub-limits, if any
List of daycare treatment/procedures covered
Per illness limit, if any
Room rent sub-limit - Check whether it is capped. Room rent is a very important parameter to check as some other expenses are in paid in proportion to the room rent.
Whether the policy is co-pay or fully reimbursable
Exclusions under the policy
The network of hospitals, whether the preferred hospital is part of the network
Incurred claim ratio and claim settlement ratio of the insurance company
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