5 Questions You Must Ask Before Selecting A Health Insurance Provider

Health insurance is extremely important given the heavy costs of medical treatment these days. A single surgery can run into several lakhs of rupees and send you into deep debt. Health insurance saves you from going financially bankrupt during times of bad health.

Now, many people often make the mistake of not evaluating the insurance company before selecting a health insurance plan. This is not advisable for the true value of any insurance policy lies in the reliability of the insurer. Asking a few right questions at the right time can help you correctly evaluate an insurance company. To that effect, here are 5 key questions you must ask before selecting a health insurance provider.

1. Do you have network hospitals in my area?

The primary purpose of buying health insurance is so that you can not only make a claim but also make a claim easily. In this regard, it helps to have the insurer’s network hospitals close to home. Choose an insurance provider who has at least a couple of network hospitals near your place so that you can avail of cashless treatment whenever the need arises. The best health insurance companies have a wide network of hospitals across the country.

2. Does the health insurance plan have a free-look period?

It is advisable to choose a health insurance plan that comes along with a free-look period. This way, you can take a few days to review your coverage and opt-out if you change your mind.

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