Have
you read your health insurance policy carefully..?
As we already know that the health insurance policy is very essential
thing for anyone regardless any income group or age group. It is mandatory part
of any comprehensive financial planning. Many private and public sector
companies provide these types of policies with many attractive benefit and
limitation.
Many companies come with these types of policies with restriction like
hospital daily room rent and many exclusions like pre existing decease. Now, it
has become more important that we should read all the term and conditioned very
carefully. At present, there is no free look in facility but IRDA has indicated
that they can implement this norm on health insurance policies. As per current scenario,
it is only implemented on life insurance policies only.
Please make sure whether lifetime renewability is available or not with
the policy. Many medi-claim policy provider often refuse renew the policy after
certain age. You can select a plan that offers lifelong renewal because buying
insurance at older age becomes a difficult task in case any ailment. There are
many decent policies available with lifelong renewal. Few of them as given
below:
- Apollo Munich Easy Health Plan
- Apollo Munich Optima Senior
- Star Citizen Red Corpet
- ICICI LombardComplete Health Insurance – iHealth Plan
- Max Bupa Health Assurance
- Religare Mediclaim
You should check premium and benefit and select the plan according to
your need.
For more detail about
any other query related investment, you can contact me through my email.
Warm regards,
Arvind Trivedi
Certified
Financial Planner
No comments:
Post a Comment