Considering the recurringly rising healthcare costs, it is certainly logical to have a proper health insurance plan that would cover yourself and your family. However, purchasing a health insurance plan isn't something that you should do in a hurry. Instead, you should carefully weigh your options and consider certain factors before opting for an insurance plan. Here are some key questions that you ask before you make a decision:

1.       What does the policy cover?

The coverage of the policy is a significant factor to consider. There may be various costs involved, such as prescription drugs, hospitalization costs, pre, and post-hospitalization costs, laboratory tests, etc. A policy or may not cover certain expenses, and this is something you should be aware of.

2.       Which hospitals and doctors are on the cover?

Each health insurance company has ties with a specific list of hospitals and doctors. Therefore, receiving your medical care from a doctor or a hospital that the plan does not cover would not be optimal. Hence, make sure that the insurance provider has an extensive network, and you can choose from plenty of options while looking for healthcare services.

3.       Would the plan cover alternative therapies?

In many cases, individuals opt for alternative therapies such as acupuncture, chiropractic, etc. If you think that you might need to opt for such options in the future, check if the plan would cover the expenses. Not every health insurance policy covers such alternative therapies.

4.       How much would the policy cost?

It is essential to consider the cost of a policy and see if you can afford it. While taking a look at the costs, make sure to pay attention to the premium and the EMIs. You should not face any problems in paying for the insurance. 

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5.       Does the plan come with any special perks?

Certain health insurance plans come with various special benefits that the policyholders can enjoy. These include discounts, free services, and other perks. While comparing different health insurance plans, make sure to look for such added advantages.

Top online health insurance providers like Bajaj Finserv Health have made it extremely easy to purchase insurance policies through mobile apps. These come with various extra features, including online consultations with doctors.