Royal Sundaram Health Insurance Plans

1. Health Insurance: What To Look For? Health Insurance is basically a type of plan that offers needful medical coverage when you need it. It helps you to deal with an unwanted medical emergency. There are several things that a health insurance plan will offer.In India there are several insurance companies that offer effective health insurance plan , such as Royal Sundaram Alliance Insurance Company, Star Health and much more.While you are buying an effective health insurance plan for yourself them you must pay attention to a few necessary things that include:- Pre-existing illnesses Medical insurance plans come with a waiting period of two-4 yrs in case of pre- existing illnesses. They are not liable to pay for any expense incurred during the above-mentioned tenure that is caused by any disease that you were suffering from prior to buying the policy document. Therefore, a person desires to look for individual health cover which have a shorter waiting period and an extra pre- existing illness cover. Pre & Post Hospitalization Expense Pre and post hospitalization prices are the ones which can be accounted before and after hospitalization. The cover of every policy differs in terms of the days, where pre-hospitalization is generally counted for 30 before hospitalization and post- hospitalization is counted for 60 days after. It isn't always fixed so strive for choosing a plan which gives you maximum range of days of this cover. No claim Bonus No claim bonus is the benefit furnished for the year in which you don’t claim. In many cases, it gets delivered for consecutively five years. The benefit commonly varies from 10-50%. Search for a reliable company like Royal Sundaram Health Insurance for this kind of benefits. Co-pay Co- payment is where this company and the insured pay a few percentage of the total declared amount. The proportion is decided earlier. This procedure may

2. reduce your premium, but it's essential to understand if you could pay your part of cash at the time of an emergency. Network Hospitals Network hospitals are the panel hospitals in which for any medication you don’t need to pay the bills as a substitute you could experience cashless facility wherein there is no fuss of submitting doc for repayment. All the treatment costs are settled at once between the hospital and insurer. It's prudent to avail of such policies that offer you the option of a wide number of network hospitals so that you can avail the services anywhere you want. Room rent Whenever there is a case of hospitalization, you have to bear a predefined room rent. Some plans`nbxnm, offer a coverage amount of room rent at 2% of the sum insured while few don't have any limit for such fees. It is always better to go with the latter one as it offers more flexibility to you. It is advisable for you to compare health insurance policy online before taking any final decision, this will help you in choosing the best out of all. There are several online insurance web aggregator which can assist you in the same. You can search for Royal Sundaram Health Insurance Plans, Star Health Plans and many more.