There are many changes that b\has taken place in the health and Mediclaim insurance industry over last 5 years. There are numbers of investors that have bought different Mediclaim policies where the rules are in favor of investor, not the insurer. This rule book varies according to the different insurer so make sure you are aware of all the term and condition of the policy that means pay your time to know all the benefits, coverage and exclusion of the policy this will give you a fair idea of the real benefits that you can reap at the time you need. Read below the important tips to buy Mediclaim Insurance in India: 1.) Get a Good Advisor Meidclaim is a complex product which needs a good amount of knowledge and research, instead of researching try to opt for a good insurance advisor that will definitely help you choose the best Mediclaim policy in India. He will help you to shortlist products available in the market, explain the terms and answer the queries. After buying the policy you will also need post-sales services, for example, filing the claim, coordinating with the health insurance company. He will also help to solve your dispute with the insurer. The insurance advisor will also look after your claim rejection process and will help you to enjoy maximum benefits of the policy. 2.) Review your existing policy and try to port Try to review your existing policy and take help from the advisor whether you can add some benefits or port your policy to a new one and get new and maximum benefits. Make sure you port your mediclaim policy to a better company around 2 months before the time of renewal. In case, you have already made a claim on your existing policy then look at upping your cover with the same insurance company. For more about health insurance plans: Read Here 3.) Access your Lifestyle The best health insurance will take care of your family and your health. Make sure you keep a check on your lifestyle as well as your family if all of them in your family are fit and healthy then you need lower risks and coverage. If not, then you need high-risk coverage policy. So take care about this point when you are deciding the sum insured. 4.) Plan According to your Future Need The future need is one of the important things to take care of while choosing a Mediclaim policy. It means just give a look whether your family has ageing parents or a newly married couple is planning to start their family in the near future. There are policies that cover aged people and maternity costs. Make a decision what type of coverage you need and then decide to buy the policy. 5.) Choose the right sum assured The maximum amount that is covered or reimbursed for a policyholder in one year is known as sum assured. The future medical claim of the policy depends upon this major point. Make sure you choose the sum assured only after considering the rising medical cost. Don’t opt for the highest sum assured because it will be difficult for you to pay the premium. So always study the matter and take the decision to buy best Mediclaim in India.
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