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Insurers often come up with free check-ups for a claim-free year or provide a complimentary annual health check-up with the health plans. Complimentary Health Check-ups: Ask your insurer whether they offer complimentary health check-ups.Go for a 0% co-payment plan so that you don't end up paying at the time of claim. 0% Co-Payments: Check your policy for the co-payment clause.

COMPARE MEDICAL INSURANCE UPGRADE

Maternity and Infertility cover with newborn baby care, AYUSH, Zone upgrade and critical illness cover are some of the benefits offered by Insurers.

Available Add-ons: Find out which add-ons are provided with the health insurance cover.

Insurers provide critical illness cover as an added benefit or a separate add-on cover. See whether they are covered in your health insurance or not.

Check for Critical Illness Benefit: Disease like cancer, stroke, heart attack, kidney failure, and others are categorized as Critical Illness.

These treatment does not mandatorily need 24 hours hospitalization.

Cover for Day-care Procedures: Before you finalize the health insurance plan, you must find out whether the policy will cover day-care procedures or not.

You should look for the best possible benefit you can receive. Sub-limit coverage refers to pre-defined capping for the treatment of specific diseases, hospital room rent, ambulance charges, and other such heads.

Sub-Limits: The coverage offered under different health plans may differ based on sub-limits.

Your pocket should not bear the brunt of heavy premiums. So evaluate carefully, and make sure you do not pay a huge amount for nominal coverage. The health insurance premium may differ based on the sum insured and other benefits provided.

Premium: You plan to buy health insurance so that it helps you in a medical emergency.

These waiting periods refer to general illness, pre-existing diseases, maternity, and some other diseases. Any illness which may occur during this period will not be covered.

Waiting Period: You may think that your health plan will cover you from the date of the start of the policy.

It is because a health plan is more important when you are old. You should confirm that the plan suffices the factor. IRDA has made it mandatory for health insurers to offer renewability for lifelong.

Lifetime Renewability: A health insurance plan allows maximum entry age up to 65 years.

So, now what? You should find out whether the insurance company allows you to refill the Sum Insured or not? The cost of treatment for two times led to the exhaustion of the Sum Insured.

Refill Sum Insured: Sometimes, you can face more than one illness and hospitalization in one year.

You should check the sum insured offered and the premium you will pay against it.

Sum Insured: Different insurance company may offer you different Sum Insured for one year.Check whether there exists a network hospital in your city or not. The insurance company ties-up with hospitals to render cashless treatment service. It could happen at the network hospital easily. List of Network Hospitals: You buy a health insurance plan, to look for a cashless treatment preferably.Then compare it with other policies in the market. Choose the type of plan keeping your needs in mind. Each type has its own limits and advantages. An individual policy, family floater, and senior citizen policy are some options. Types of Health Insurance Plan: Decide exactly what you want in a health insurance plan.Read online reviews about the company or check their social media handles to public reviews about the company. Check whether they have an active customer support centre for your queries or not. Insurance Company: Check if the company and product are registered by IRDA.Here are some factors based on which you should make the comparison.

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