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What should your health insurance benefit primarily cover

​​The healthcare facilities have improved remarkably in India. It is because of this improvisation in the medical facilities that the nation today has many good hospitals and doctors. However, as the saying goes, everything comes for a price; so does the medical care. Though compared to yesteryears, treating an illness (even the critical ones like heart related problems, certain cancers, etc.) has become relatively possible; yet to avail the required treatment one needs to shell out huge sum of money from his/her pocket. However, the fear of huge medical bills definitely does not keep a common man away from availing good medical facilities – thanks to health insurance​ benefits.
The concept of health insurance in India is picking up at a steady rate. One of the primary reasons for the rise in demand of health insurance in India is increasing constant rise in inflation. One of the key health insurance benefits is that it offers an individual (or even a family) the power of getting required medical care in the hour of need, without worrying about the finances to support the same.
However, you may find some individuals complaining about burning their pockets due to heavy medical bills, even when they had health insurance coverage. Such a situation generally arrives when your health insurance benefits does not meet yours and/or your family’s needs. If your health insurance coverage isn’t as per your requirement, it is obvious that it won’t be of much help even in case of any medical emergency. Therefore, at the time of buying a health insurance plan, it is important to check if the health insurance benefits are as per your needs or not.
To avoid any financial contingency like situation during a medical emergency and in order to ensure your health insurance in India covers you aptly, keep a note of following points:
What should be your health insurance cover amount?
Understanding the medical requirements of each family member, you would get an idea about what kind of medical expenses you would need to face in the hour of a medical emergency. It is important to cover every individual in your family. Therefore, get an average amount to cover your entire family. In case, any of your family members is already suffering from a medical condition, it is advisable to get an individual health insurance for him/her.
Which health insurance company in India, should you buy your policy from?
Firstly, look for the health insurance benefits offered by the company you are willing to buy your policy from. In addition also take a look at the things which are excluded i.e. not covered by the insurer.
Also, check if the company offers cashless facility or not and if any of the hospitals near in its network list is close to your house. Accordingly, opt for the company which fulfills above two criteria and also offers health insurance benefits at affordable rates.
When you are looking for health insurance in India, do not restrict yourself to just critical illness insurance; always opt for a comprehensive health insurance benefit.
So, make sure that if you or your family is struck with a medical emergency like situation then they are protected under an umbrella of health insurance in India.

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