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"If you are hospitalised for say five days and if I take a cover which is Rs 500, then you get Rs 500 for five days – Rs 2,500 total. These coverages can be taken from 500 to 25,000 per day, so this is that vast. If I were to think that my other miscellaneous expenses are going to be more than 2,000, 3,000 per day, then I would take a hospital cash policy which would cover me for that because that again is an expense that pinches your pocket." ....
Pick the right health insurance plan Here’s a checklist on selecting a comprehensive policy The Covid-19 pandemic has made people realise that we must be prepared to deal with medical emergencies. While having a good health insurance policy may seem simple, there are a few intricacies involved in finding a good plan. Here are some key factors that one should look at when buying a good comprehensive health cover for yourself and your family.
Check sub-limits Sub-limit is a cap put by an insurer on medical treatment, doctor consultation fee, ambulance charges, and hospital room rent. Sub-limit means that if you incur charges on say medical treatment beyond these caps, the policyholder will have to bear the expense. However, many health insurance policies come with no sub limit. Choose one such plan, despite a little higher premium. ....