People are now paying more attention to health insurance cover. However, they have a problem in understanding the amount of cover to be taken. They need 5 lakhs, 10 lakhs or even more. Understand here how to choose the right medical cover for yourself…
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Health is wealth… We all must have heard this proverb. But, after Corona, there have been many big changes in our life. The biggest change out of this is health insurance. During the Corona wave, people had to struggle a lot to get treatment. People who have health insurance are worried whether they will be able to get treatment in that amount of money or not. Most of the people 5 lakh health insurance We take it, but is this amount sufficient for the treatment of a serious illness?
In the era of rising inflation, people have started finding this cover of up to 5 lakhs too small. In such a situation, common people have become very active regarding financial planning and especially health insurance. In such a situation, if you live in a metro city, then you may need more cover. Let us tell you how you can choose a good health insurance for yourself.
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Keep these things in mind before choosing health insurance
There are a few things you should keep in mind while choosing a health insurance cover. This helps you choose the right cover. Let us tell you what you have to pay attention to.
understand your need
While buying health insurance, you have to see whether you will stay in the same room with other patients in the hospital or do you need a separate room for yourself? Some people also go for deluxe rooms, in such a situation if they take a health cover of 5 lakhs, then it can end soon. So you may need more cover than this.
track health history
If you take health insurance at an early age, then you will not need much cover. Understand it in such a way that the more you are old, the more your health insurance cover will be. This is because you may have to go to the hospital frequently for chronic diseases. Your needs at the age of 35 and at the age of 55 will be different. In such a situation, your illness can also be big and its cost is equally high.
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How about a family floater?
If you take health cover for the family, then this might not be a good option. This is because if there is ever a high claim, then your cover will also end soon. After that, if someone else needs it, there may be a problem in getting the claim. Therefore, while taking health cover, you should keep in mind that you buy a separate policy for your parents and separately for yourself.
5 lakhs will not work
If you live in a big city like Delhi and take health insurance of 5 lakhs then it will not be enough for you. You should buy the plan keeping all the above things in mind. However, a plan with a higher cover comes with a higher premium. That’s why you have to buy the plan keeping in mind the budget and premium according to your requirement. According to experts, in today’s time everyone must take a cover of 10 lakhs.
One more thing you should keep in mind is that health insurance has to be renewed every year. In such a situation, the premium also increases many times. So you should always take cover according to your income.
Source: www.tv9hindi.com”