Corona: Companies are tempted for health insurance, keep these things in mind

The IRDA had asked insurance companies to design such policies, which also cover the cost of treatment of coronavirus.

• It should be clear what the purpose of taking a health insurance policy is
• It is important to be more alert if you are taking a policy to deal with Corona crisis

The outbreak of Coronavirus is increasing in India. Sensing this atmosphere, Akash took a health insurance cover of Rs 50 lakh in March itself. A few days later, Akash’s body got symptoms of coronavirus and had to be admitted to a large private hospital.

The hospital underwent treatment for 15 days. When Akash called his insurance company for these 15 days of Claim, it was found that Corona’s treatment was not in the insurance cover of 50 lakhs. It was like a big shock to Akash. He had to somehow arrange for the money to be paid to the hospital. If you want to avoid getting caught in a situation like Akash, then you have to keep some important things in mind before health insurance.

Motive

First of all, it should be clear what is the purpose of taking a health insurance policy. In the current environment, if you are taking a policy to deal with the Corona crisis, then you have to be more alert. Before taking the policy, know whether the treatment of coronavirus infection is covered or not.

Recently, the Insurance Regulator and Development Authority of India (IRDA) had asked the insurance companies to design a policy that also covers the cost of treatment of coronavirus. This is the reason why most companies have also started Corona Special Insurance Policy. This is to say that if the insurance policy does not cover the cost of treatment of corona, then it is of no use to you

Must see plan features

Sometimes it is not right to compare health plans on the basis of premium rate only because it is important to see the features of the plan. It is often seen that the cheapest plan provides limited security. Each health plan has its own list of things that are not included, which are recorded in the policy document. We often ignore it. So now you should know immediately what expenses are not included in your health plan so that you do not feel that you have been cheated when the claim is rejected.

No need to hide anything

There is a common misconception that if we have a disease, we do not want to give information about it while purchasing health insurance. People do this because they fear that their policy application is rejected or the premium amount increases. But it is important to know here that when you go to make a claim and the insurance company comes to know that you have hidden any information, then your claim can also be rejected. In such a situation, it is important that you should tell all the important facts related to your health because even though this will increase the premium amount, at least your claim will not be rejected.