Health insurance plans are available aplenty in India. You
can compare health insurance online and get the best health insurance in India
as per your needs. However, most people settle with just about any health
insurance policy they come across. Online health insurance plans come with a
wide array of benefits and you have to use your health cover wisely so that you
can get maximum return out of the investment you make in your medical insurance
policy. Let's take a look at some of the ways to make the most of the
advantages on offer at a health insurance online policy in India.
Choose a higher deductible
All health insurance online plans in India come with a
voluntary deductible option that policyholders opt for. While most consumers
make the mistake of choosing lower deductible to cut short their claim outgo,
you shouldn't make the same mistake. You should go for a higher voluntary
deductible so that you have to pay less premium on your online health insurance
renewal.
Go for a floater policy
If you have a family to look after, it is always better to
go for a floater health insurance plan than buying individual health insurance
online plans for each member of the family. You not only have to pay more
premium in total but you also have to manage multiple medical insurance plans
if you go for individual health insurance online plans. But, by going for a
family floater health insurance plan , you can keep all members covered under a
single Sum Insured. You just have to pay a single premium to protect your
entire family. Family floater health insurance plans usually covers a minimum
of 2 adults and 2 children.
Buy senior citizen health insurance for elderly members
If you have senior citizen parents at home, you shouldn't
include them in the coverage of floater health policy. The premium of family
floater health insurance plan depends on the age of the eldest covered member,
so you have to pay much higher premium if senior citizens are included in the
family floater health insurance plan. You should buy them a separate senior
citizen health insurance plans. In that way, your premium outgo would be much
less and also you can enjoy comprehensive protection for all the members of
your family.
Go for top-up plans to enhance your existing coverage
Many consumers can't afford health insurance plans with very
high Sum Insured so they end up buying health insurance online plans with basic
coverage that often fall short of meeting the actual medical expenses. If you
really can't invest in a high-end health insurance plan, you can consider
buying health insurance top-up plans. These plans start working once the
coverage of regular health insurance plans exhausts. You don't have to pay a
fortune to buy health insurance top-up plans but you will get the much-needed
coverage when the need arises.
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