At an affordable price for you
In today’s time, increased pollution, poor eating habits, and having no work-life balance has impacted everybody’s life. Health has become a significant concern in India. With the help of advanced medical facilities, there has been an improvement in life expectancy. At the same time, there has been an increase in the number of health issues as well. Nowadays, we commonly hear that many people develop critical ailments such as paralysis, cancer, and heart attack. The treatment cost for these diseases is not only financially draining, but emotionally draining as well. The only way you can secure yourself from such an event is to buy a critical illness insurance plan in advance.
Nonetheless, choosing one is not easy as multiple policies are offering similar features. Many factors should be considered when buying a critical illness insurance cover.
Before buying one, read up on the common mistakes that you must avoid while buying a critical illness insurance plan.
1.Getting an Inadequate Health Cover: It is not a good idea to opt for an inadequate health cover only to save your money. The critical illness insurance plans offer financial aid during the treatment of critical illnesses. Insufficient coverage may not be useful at the time of an emergency.
2.Not Reading the Policy Wordings: When buying a critical illness insurance cover, it is essential to be aware of the inclusions. There can be certain terms and conditions imposed for offering coverage for a particular medical condition. Apart from this, there are exclusions or the waiting period clause. It is advisable not to miss any of the policy wordings. It will also help you in making the most of this health cover.
3.Not Disclosing Medical History: A customer must reveal his or her current medical condition at the time of buying a health cover. It is important to tell your health details for a smooth process of claims. Not disclosing may lead to cancellation of the health policy. It is essential to offer information regarding the medical history of the family and other pre-existing conditions to avoid any sort of inconvenience.
4.Not Doing Proper Research: It is advisable to do proper research before buying a policy. You must opt for a health cover as per your requirements and opt for one that is ideal for you. In this case, it is not sensible to make hasty decisions.
The critical illness insurance plan is an essential buy in today’s time, owing to the increased health risks. You need this plan for your financial security in case you are diagnosed with a critical ailment. The expenses incurred for the treatment of these medical conditions would not be covered with a regular health cover. Buying a health insurance plan online enables you to pay a lower premium.
Care Health Insurance offers Critical Mediclaim that covers 32 critical ailments and medical procedures such as major organ transplant, coronary artery bypass graft, etc. Some of the other expenses included in this insurance policy are expenses for the treatment of blindness and major burns. You can buy this health insurance plan online by visiting the company’s official website.
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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