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Planning to take health insurance policy? Do not go by premium alone

You also need to take into account exclusions and sub-limits

Topics
Health Insurance | health insurance policy | insurance premium

Bindisha Sarang 

Ensure that you are not underinsured. An individual must have a minimum Rs 5 lakh cover while a family living in a metro should have at least a Rs 10 lakh cover. Family floater plan is a good option for those who are married and have children as they can get a higher sum insured for a lower premium than if they were to buy individual policies.

Opt for a policy with a shorter waiting period for pre-existing diseases. Select an insurer with a high claim settlement ratio. This will reduce the chances of your claim being rejected without a valid reason. Go for a ...

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First Published: Sun, May 17 2020. 20:15 IST
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