Before buying any insurance the wordings should be checked thoroughly. IT should cover all the medical needs of the family
Nowadys in India medical insurance is heavily advertised> However it does not cover all the expenses . Little more time spent in reading the terms and conditions can save a lot of headache if ever you need medical help. Insurance companies have clauses, the more they deny the more they are profited
Mostly people in India buy insurance on the basis of coverage suppose you have medical ill of 5 lakh and insurance cover of the same the company wont pay each and every penny of it.
They have maximum limit the amount for each medical procedure and even for room rent
Never ever take word of any insurance agent and assume the insurance scenarios. Check the policy thoroughly. Everything should be stated in the document check each and every minor point. If it is not stated than the insurance company wont cover any claims. And changing insurance company is also a very big headache as insurance company wont pay for pre-existing conditions that you have.
Changing medical insurance companies often will only worsen the condition and also amount you money. There are many medical procedures for which payments may be restricted for first couple of years.
Always choose only that much sum that can be afforded by you and how much premium can you pay per month. Be sure to check the policy wording before buying medical Insurance. Do not blindly follow words of agent unless it is clearly stated in the document.
And while buying do not only just compare the premium rates also compare the policy . Always get your doubts cleared before taking the policy don’t have any confusion
Always check for what things the companies does not pay . And most of all pay policy premium on time.