Why health insurance is important? How to choose best insurance ? Everything about health insurance policy

    Do you ever worried about hospital bills in emergency? 

If you are searching for best health insurance then see below and I will give you a bonus tip to be healthy

     

Buying a health insurance is extremely confusing. There are various types of polices and riders available. So this article will help you to choose best insurance policy for you and your family.

Before buying a health insurance policy 6 points should be keep in your mind:-

• Pre and post hospitalization:- your policy must cover atleast 30 days pre hospitalization and 60 days post hospitalization bills. So you don't have to worried about your bills.
• Room charges:- sometimes company don't give private room facility. You should check room charges before buying policy. Private room facility should be there in your policy
• Claim Settlement ratio:- This is one of the most important factor you must see in your policy. It shows how much claims is accepted by your policy in times of emergency.
• Amount settlement ratio:- Before purchasing your health insurance policy you should ask your advisor about amount settlement ratio. 
• Amount rejection ratio:- This ratio shows that how many times health insurance company rejected their clients approval. 
• Tie-ups hospitats:- Before taking a policy you should check whether your policy tie-up with hospitats of your location.
• Accident cover:- In case if you meet with an accident and you are unable to go for your work then this cover will help you. It will give you a lump sum or monthly money to your account.So you must add accident cover with your policy. And the best thing is accidental cover is very low.
•  Critical illness cover:- If you take critical illness cover then it coves serious illness like cancer, tumor etc. So you must add this cover with your health insurance policy.
• Last the bonus tip is you should do some exercise like walking, running, cycling etc. And must eat home made food to be healthy.