Family Health Insurance Provider: Things You Need to Ask

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AJ 25.10.23 5 mins

Health insurance isn’t a trivial matter. You need to carefully select the right policy so that you can get the maximum benefit out of your premiums. Most people tend to brush aside health insurance altogether. Some others will simply select the first policy that they come across. However, in order to ensure that you and your family are covered for all unforeseeable medical expenses in the future, it’s important to purchase the right family health insurance policy.

How can you purchase the right policy? Be asking the right questions to your insurance service provider. Below is a handy dandy checklist that you can use to find the policy that best fits your myriad needs:

Is It an Individual or Family Health Insurance Plan?

There are two types of insurance plans – Individual medical insurance and family health insurance. Buying a family plan makes sense if you want to insure you and your family members whereas an individual plan will cover only your own medical costs.

What Illness and Medical Conditions Does the Policy Cover?

Every policy comes with a set of medical conditions and illness that the insurance company will cover. Additionally, most comprehensive policies cover pre and post hospitalization expenses, ambulance charges, prescription drugs expenses, surgery cost, check-ups, lab test charges, organ donor expenses, wellness care, etc.

What Medical Problems Does The Policy Not Cover?

All family health insurance policies also state a list of medical conditions that aren’t covered such as injury caused by substance abuse, self-inflicted wounds, hormone replacement therapy, etc. Moreover, some policies have a pre-specified waiting period before covering treatment for certain diseases.

What Is the Premium?

Health insurance premiums are basically a set amount of money you need to pay either monthly or yearly in order to keep your policy active. Age, medical history and existing health conditions may a major role in determining your premium.

What Is the Sum Insured?

Total sum insured in your individual medical insurance plan refers to the maximum amount of money your insurance company will pay in the event that you fall sick.

How Much Money Would I Pay From My Own Pocket?

Although some family health insurance policies offer cashless facilities at network hospitals – i.e. you won’t have to pay any money to avail medical treatment – some others require you to pay some money out of your own pocket for medical treatment.

Is My Family Doctor or Hospital Part of The Policy’s Network Hospitals?

Do you have a family doctor you often go to or do you live close to a hospital? Check if your policy has that hospital in the list of their network hospitals.

How Can I File a Claim?

Understanding the process of filing a claim is extremely important before buying a health insurance policy.

Does The Policy Cover Critical Illnesses?

Some policies don’t cover critical illnesses. If you or your family member are suffering from a critical illness, it’s advisable to opt for an additional critical illness insurance cover.

Ask the right questions and conduct a thorough research on existing individual and family health insurance policies before making a decision to buy one of them.

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Family Health Insurance Provider: Things You Need to Ask

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