A right medical insurance plan is very much essential for all of us. Choose a right path for you . Before
you go plan-hunting, there are some questions you need to ask yourself:
- Do I use many prescription medicines?
- How much preventive care do I want?
- Am I constantly exposed to hazards such as the possibility of an accident, exposure to toxins, a weak immune system, etc.?
- Am I at risk of any hereditary diseases?
Knowing the answer to these questions will help you recognise which slot you fall into, and what your insurance needs are. It’ll narrow down your search and give you an estimate of how much you should be spending – and what benefits you ought to get for your money.
Once
you know your healthcare requirements, it’s time to go shopping. Even with the
field narrowed down, it’s easy to lose sight of what you need. Here are some
tips you should keep in mind to ensure that you aren’t buying the wrong plan:
First of all - Know how much the average cost of your healthcare should be. For example, it is generally accepted that a Rs.5 lakh cover is sufficient for a single adult.
The other points will be discussed in the next session of The right Medical Insurance Plan.
