10.8K
FIUltimate Health Insurance Guide 📝
The Last Checklist you need before buying policy!
✅️ Picking up the Best Insurer:
1. Claim Settlement Ratio > 97 % (3-Yr Avg)
2. Claims paid in under 30 days > 97 %
3. Volume of Complaints <20 per 10K claims
4. Annual Business - Rs. 7500 Cr +
✅️ Must have Features:
1. No room rent limit
2. No co-payment
3. 60 days pre-hospitalization coverage and 180 days post-hospital coverage
4. Max 30-day waiting Time and Max 90-day wait (critical diseases)
5. PED wait < 3 yrs
6. Consumables covered
7. NCB: Minimum 50% yearly upto 2X
8. Unlimited restoration
9. Cashless hospitals
10. Reimbursement should be allowed
✅️ Good to have Features:
1. Free Health Check-up
2. Alternate Treatments
3. OPD Covered
4. Home Care up to ₹5L
5. Ambulance up to ₹5L
6. E-Consultation
7. Accidental Death Benefits Top-Up Option
✅️ Points to Consider
1. SI = Min ₹10L adult, ₹5L child
2. Prefer Super Top-up
3. Prefer PAN India Policies
4. Read exclusions
5. Pick a trusted brand with Big hospital network
6. High claim settlement ratio.
Follow @financewithmeghabung if you like our content.
(Money, wealth, personal finance, finance, investment, insurance)
Disclaimer: This content is for educational purposes only. Please do your research and read the terms before taking a policy. We are not Insurance advisors or affiliated with Insurance companies.
#HealthInsuranceIndia #insurance #financewithmeghabung #money
Do you have an Health Insurance?
@financewithmeghabung
