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Your good health is crucial to succeeding in life. But, a sedentary lifestyle, pollution, hunching on junk food, and work stress can deteriorate your health in the coming years. Additionally, rising medical inflation and skyrocketing treatment costs can burn a hole in your pockets. Therefore, comprehensive medical insurance is a need of an hour. It is imperative to choose a health insurance plan that caters to your and your family's health care needs and does not impair your financial security. Keeping in mind all the concerns, Care Health Insurance has developed exclusive health insurance plans that give you maximum coverage at an affordable premium. Here you can read how to compare health insurance plans and choose what best suits you and your family's healthcare needs:
We understand that different people have different healthcare needs; that's why we offer a plethora of health insurance plans. But, you should pick your right match wisely. Comparison helps you to know:
Age Criteria: If you compare the policies, you can get an idea about the age criteria. It will help you pick the plan that suits your age and gives you lifelong coverage.
Wide Range of Coverage: With comparison, you can check which policy offers a wide range of coverage as per your healthcare needs.
Affordable Premium: You can compare the premium of various plans and choose the most affordable one.
Inclusions & Exclusions: Too many options can confuse you. It's better to know the policy inclusions and exclusions to ensure timely claim settlement.
Additional Benefits: While comparing the plans, you can also know about additional benefits such as no claim bonus, automatic recharge, renewability, etc., to enhance the policy coverage.
Number of Ailments: Different plans cover different ailments like our critical illness insurance covers 32 critical illnesses, whereas heart mediclaim covers 16 ailments. So, go for the policy according to your healthcare needs.
Discounts: Comparison helps you to know about what kind of discounts you can get on policies. You can reduce your premium if you get a discount on your purchase.
Check below how you can compare health insurance policies online:
Type of Health Policy: Health policies differ in terms of benefits, premium, discounts, etc. So, pick the plan according to its type, such as individual or family health insurance, mediclaim, etc., that best suits your healthcare requirements.
Comprehensive Coverage: Whether it is hospitalization, medication, or treatment, your policy should give you extensive coverage. So, check what all policy covers and what do not cover to ensure right coverage.
COVID-19 Cover: Look for the plan that offers COVID-19 cover as well. We offer coronavirus coverage, including treatment and quarantine expenses. You can check the terms and conditions of our plans for more details.
Compare Premium: Use the health insurance premium calculator available online to compare our different medical insurance policies. In this way, you can pick the plan that best suits your pocket.
List of Network Hospitals: Before you say yes to the policy, look at the number of hospitals impaneled with the company. We have 8350+ network hospitals that give you the option to choose the hospital near to your residence.
Sum Insured: Sum Insured varies from plan to plan. You should work on this and pick the plan that offers sufficient Sum Insured to ensure full coverage.
Automatic Recharge: If you face hospitalization for more than one disease in a year and the existing Sum Insured gets exhausted, you can get automatic recharge. So, compare the policies' features and opt for the one that gives you this benefit.
Lifelong Renewability: Find out which plan offers you lifelong renewability. It is beneficial when you grow old. You can continue the same policy with break-free renewals.
Waiting Period: It is the duration when you cannot claim. You have to wait for the completion of the waiting period ranges from 30 days to 24 months. Thus, go for the policy that offers you a minimum waiting period.
Sub Limits: It is a pre-defined capping on medical expenses under the policy. A policy with no sub-limit comes with a higher premium so opt for the plan accordingly.
Daycare Treatments Cover: Thanks to medical advancement. You can get the daycare treatments without getting hospitalized for 24 hours. Therefore, check the policy that covers maximum daycare treatment too.
Annual Health Check-Up: If you want to keep track of your health. Annual health check-up helps you a lot. We also offer annual health-check up under policy coverage. You can check the details and opt for it.
Add-Ons: Add-On benefits under the policy helps you to increase its coverage. Reduction in wait period, Care Shield, OPD Care, COVID Care, No Claim Bonus Super, and more are the add-ons that we offer along with the policy.
Organ Donor Cover: Organ transplant is not easy. But, if the policy covers its expenses, it means half the battle won. So, check if the policy offer coverage for an organ transplant.
Claim Settlement Ratio: For timely claim settlement, invest in a company that has higher CSR. It shows the reliability of the company to settle the claims. We have 95.2% CSR# that ensures hassle-free claim settlement.
Tax Benefits: With health insurance, you can save your health and wealth. A premium paid against the policy gets tax exemption up to Rs.1,00,000 as per section 80D of the Income Tax Act. Also, check if you will get the tax exemption certificate.
Opting for health insurance without comparison is more like shooting an arrow in the dark. You do not know whether the policy actually serves your purpose. Therefore, comparing health insurance is crucial. If you avoid it, you may face the following consequences:
Comparing health policies is crucial before buying. It will help you pick the right plan and ensure you get the maximum benefits out of it.
^^Number of Cashless Healthcare Providers till 25th March 2022.
#Claim Settlement Ratio is for FY 19-20
^Annual premium for product 'Care' and 'Care Shield (add on)' is Rs. 6160/-(excl. GST) for 1 adult falling under the age bracket 05-24 years, 1 Adult 18-24 age group 3 Yr with NCB Super (Add-on).
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