{"id":3543,"date":"2023-10-12T13:18:26","date_gmt":"2023-10-12T07:48:26","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=3543"},"modified":"2023-10-12T13:20:37","modified_gmt":"2023-10-12T07:50:37","slug":"how-to-choose-the-right-health-insurance-policy-for-your-needs","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-the-right-health-insurance-policy-for-your-needs\/","title":{"rendered":"How to Choose the Right Health Insurance Policy for Your Needs"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-the-right-health-insurance-policy-for-your-needs\/#An_Overview\" >An Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-the-right-health-insurance-policy-for-your-needs\/#Be_Informed\" >Be Informed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-the-right-health-insurance-policy-for-your-needs\/#Choices_to_be_made\" >Choices to be made<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-the-right-health-insurance-policy-for-your-needs\/#Add-ons_to_be_taken\" >Add-ons to be taken<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-the-right-health-insurance-policy-for-your-needs\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"An_Overview\"><\/span><b>An Overview<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Let us start with a simple fact that health insurance is like a shoe and as different shoe sizes fit and work for different people. Similarly, a single health policy cannot not cater to the needs of different people.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">This is the reason that different insurance companies have come out with different products for different people depending on their demographics and requirements.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">In this blog we will talk about a very interesting and important decision that one should make very carefully, which is choosing a health insurance plan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mr Raju bought a family floater health insurance plan for Sum insured of Rs 3 lacs covering his family of 4. Unfortunately he met with an accident and filed a claim for Rs. 2 lacs. He was shocked and saddened to know that his claim got settled for Rs. 1.2 lacs. This happened as his policy has a room limit of 1% i.e. Rs 3000 which he was not aware about. The hospital charged him Rs 5500 per day as room rent due to which almost 40% of his claim was deducted in proportionate charges.<\/span><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Be_Informed\"><\/span><b>Be Informed<br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This can happen with you as well and to avoid this, the most important factor before buying a health insurance is reading the policy coverage along with terms and conditions. Insurance is a technical product and you should be aware about the details before finalizing a plan. In case you feel confused or indecisive, we recommend that you consult a licensed insurance agent who can explain the same to you in detail.<\/span><\/p>\n<p><b>Factors to be considered<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Age:<\/b><span style=\"font-weight: 400;\"> Age is an important factor to be considered while taking a health insurance plan. Although a disease can affect anyone, the chances of falling sick increase as the age increases. Thus, one should take a higher sum insured as the age increases. <\/span><b>Also, a plan with a lower waiting period should be opted for people of higher age.<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Geographical area<\/b><span style=\"font-weight: 400;\">: The place where you reside is important as medical expenses vary from place to place. A metro city has a higher cost of any treatment as compared to in a B or C class city. Thus, <\/span><b>a plan with no room limits with higher sum insureds<\/b><span style=\"font-weight: 400;\"> should be opted for if at a metro city as the room rents can be much higher.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Medical History:<\/b><span style=\"font-weight: 400;\"> Although a PED has a waiting period, in case you or your family has a medical history, you should disclose the same and opt for a higher sum insured. A person with no medical history can opt for a policy with higher waiting periods and low premiums.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Choices_to_be_made\"><\/span><b>Choices to be made<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Individual vs Family floater policy: <\/b><span style=\"font-weight: 400;\">A major decision to be made by you is whether to buy an individual Mediclaim policy in which individuals with different sum insureds are covered or to buy a floater policy in which all the members share a combined sum insured. This decision has to be made on the basis of size of family, sum insured required, medical history etc.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Add-ons_to_be_taken\"><\/span><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><br \/>\n<b>Add-ons to be taken<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Restore benefit:<\/b><span style=\"font-weight: 400;\"> Helps in restoring the policy sum insured after exhaustion of initial sum insured. Insurers also allow for unlimited restoration, which is beneficial for those who think that due to various diseases or multiple hospitalizations, they might need restoration of Sum insured multiple times in a single policy period.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No room limit capping:<\/b><span style=\"font-weight: 400;\"> To be opted where insured feels that room rents in their nearby hospitals is very high and such capping can lead to their claim\u2019s deductions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Daily Cash Benefit:<\/b><span style=\"font-weight: 400;\"> This cover allows you to get a cash benefit for each day of hospital admission which can be helpful for out-of-pocket expenses which are not covered by health insurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>NCB Safeguard:<\/b><span style=\"font-weight: 400;\"> This benefit ensures that the accumulated NCB bonus does not get exhausted even if you put up a claim.\u00a0<\/span><\/li>\n<\/ul>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3546\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog3-1.png\" alt=\"Health Insurance Policy\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog3-1.png 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog3-1-300x169.png 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog3-1-1024x576.png 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog3-1-150x84.png 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog3-1-768x432.png 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/10\/blog3-1-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As rightly said, health insurance can provide complete peace of mind against unfortunate medical emergencies and expenses but it is imperative to choose the correct plan with an apt sum insured for yourself and your family . By understanding your needs, exploring different policy types, and thoroughly researching options, you can make an informed choice.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If still in doubt, you can reach out to a licensed insurance agent who can guide you on what is right for you.<\/span><\/p>\n<p><b>For any kinds of Insurance claim rejections, delay or short settlements, please contact Insurance Samadhan.<\/b><\/p>\n<p><b>By- Chirag Nihalani<\/b><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-the-right-health-insurance-policy-for-your-needs\/\"\n  },\n  \"headline\": \"How to Choose the Right Health Insurance Policy for Your Needs\",\n  \"description\": \"Choose the right health insurance for peace of mind. 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Similarly, a single health policy cannot not cater to the needs of different&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/how-to-choose-the-right-health-insurance-policy-for-your-needs\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":3544,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[3,322],"tags":[],"class_list":["post-3543","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","category-insurance-problem"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Choose the Right Health Insurance Policy for Your Needs - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Choose the right health insurance for peace of mind. 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