Factors to be Considered While Opting for a Health Insurance for Your Mother
While Mother’s day is knocking, you must be looking for a gift. Jewellery, dress, home appliances, etc. are very common, and she must have many already. Think about health insurance, it is the best gift that you can give it to her. Whether your mother is working or a homemaker her health should be your utmost priority. At present, when various life-threatening diseases are taking a toll on the health of elderly people and inflation is rising enormously, it acts as an umbrella. It covers all the hospitalization and treatment expenses so that there is no financial implication on you and your family.
However, while browsing about health insurance you can find different plans with various features and benefits. Therefore, you should consider the below factors while picking the right health insurance for your loving mother.
>> Also read how to help your mother prevent hypertension
Look for Maximum Coverage
You should look to the plan that provides maximum coverage and caters to your mother’s health care needs. It should include hospitalization and treatment expenses. Additionally, check the add-on covers like no claim bonus, OPD care, reduction in waiting period for pre-existing diseases, international second opinion, and so on. In this way, you can opt for the health insurance plan with maximum coverage.
Premium Amount
The next thing you should consider is the amount of premium for the health insurance plans. It is a pre-decided amount that you have to pay after specified intervals against the coverage. You can calculate the premium with the help of an online premium calculator available on our website and pick the plan that covers maximum treatment expenses without financial burden.
Read Exclusions
Exclusions are the situations that are not covered under health insurance policies and you are not entitled to file a claim for the same. Therefore, you should check the exclusions list and see what all diseases are not included. So, you should make sure that your plan offers you complete coverage with minimal exclusions.
Waiting Period
It is the specified time under which the policy is payable. For normal health insurance, it is 30 days from the date of policy issuance, and for pre-existing diseases, it is 4 years. If your mother has the pre-existing disease, then you have to wait till the completion of the waiting period to avail of the claim.
Check Eligibility
Before you finalize the health insurance plan for your mom, it’s advisable to check the age criteria for eligibility. Some plans have specified age limit where some have no age limit for enrolment. So, consider a plan that has maximum renewal age with lifelong coverage.
At present, when medical costs are skyrocketing, one hospitalization can derail your finance. Your mother is in the age where she is more vulnerable to critical illnesses or chronic diseases. That’s why at, Care Health Insurance, we offer customized health insurance plans that cover pre and post hospitalization, in-patient hospitalization, therapies, ambulance expense, etc. Additionally, our add-on covers along with health insurance plan give extra coverage to your mother. So, opt for the most suited plan without a hitch and gift your mother good health.
Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.
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