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Health insurance can save you from the huge expenses incurred in the hospital during the treatment of serious diseases.
You should take a health insurance policy with a lifetime renewal for your family.
A health insurance policy that provides free medical tests is better for senior citizens.
New Delhi. In recent years, awareness about health insurance has increased among people. At the same time, after the Kovid-19 epidemic, the number of people buying health insurance is increasing rapidly. Everyone must buy a health insurance policy for their entire family. On the other hand, if you have elderly parents in your house, then it becomes more important for them. Because there is a risk of many diseases in old age. Health insurance can save you from the huge expenses incurred in the hospital during the treatment of these diseases.
If you are thinking of buying a health insurance policy for your elderly parents, then you must first understand some things related to health insurance. With this, you can remove the problems coming in the insurance claim. Let us know what are the important things to keep in mind while taking health insurance.
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Health insurance gets costlier with age
Let us tell you that health insurance becomes expensive with age. That’s why you should take a health insurance policy with a lifetime renewal. With this, you will not need to change the policy again and again. If you get treatment at the right time, someone’s life can be saved. At the same time, it is also necessary to get regular check-ups done to detect the disease. Therefore, a health insurance policy that provides the facility of free medical tests for senior citizens should be chosen.
When will chronic diseases be covered?
Whenever you choose a health insurance policy, there is a rule to cover chronic diseases only after a certain period. This period can be different for all insurance companies. Some companies cover chronic diseases after 48 months while some companies cover chronic diseases after 36 months. If you are hospitalized due to chronic illness during this period, you will have to bear the expenses yourself. However, while buying the policy, you are asked about pre-existing diseases.
The network of hospital chain should be big
If a person is suffering from a serious illness, then he may need to be admitted to the hospital at any time. Therefore, while buying a health policy, it must be kept in mind that the hospital you choose has a large network. Along with this, the facility of cashless admission should also be available in the hospital. Due to this, you will not have to face much trouble at the time of hospitalization.
Better if you get the option of treatment at home
The treatment of serious diseases is very expensive as well as it lasts for a long time. In such cases, due to lack of beds in the hospital or for some other reasons, treatment has to be done at home under the supervision of doctors. In this case, you should choose a health policy that includes domiciliary treatment cover. With this, you get health cover for the treatment expenses even without getting admitted in the hospital.
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Tags: business news in hindi, health insurance, Insurance, senior citizens
FIRST PUBLISHED : April 29, 2023, 13:13 IST
