9 Common Myths About Health Insurance

1. 9 Common Myths About Health Insurance Life is erratically moving on, especially in pandemic times. It can take you anywhere, from relishing the highs to enduring through the lows. A wise person is prepared for all of life's wind chills. A wise individual also carries health insurance. Do you? There are two types of Health Insurances: 1.Mediclaim Plans: Mediclaim plans are the most basic type of health insurance plans. These plans help cover financial losses in hospital and medical bills. The charges are waived off as per the incurrent cost of medical treatment. Almost all these plans cover the complete family (up to and for a certain limit.) 2. Critical Illness Insurance Plans: Critical Illness Insurance Plans cover only a specific number of diseases. These could be chronic diseases that might require prolonged treatment or even change with time. The payouts are customizable i.e, one can get paid on the basis of diagnosis of disease and not the medical bills. This helps the patient to change

2. their treatment if they need and or, use that money as an alternative income for the time the patient is unable to work. Myths https://www.shutterstock.com/image-vector/health-insurance-concept-flat- vector-illustration-1447821995 1: “I am young, fit and fine. I don’t need health insurance” or “I am too fit to apply for Health Insurance” Being young or old has got to do nothing about having Health insurance! 2: The Health Insurance Policy given by the employer will suffice for your needs Your corporate health insurance policy will be valid only as long as you are working for the organization. Hence, it’s a must to buy a personal health insurance policy too. 3: One should at least be admitted to the hospital for 24 hours to get insurance claims A variety of plans have been put out for the ones in need. A patient undergoing chemotherapy may need 24-hour hospitalization whereas, a patient having dental problems won’t. The registration for insurance claims is very feasible and easy. 4: One will get complete reimbursement of the cost of treatment The percentage of reimbursement is policy-specific and changes according to the condition of the patient. 5: Purchasing a health cover online is unsafe and can be deceptive Purchasing a Health Insurance Claims Management policy online is a smart move. It barely takes 10 minutes and is the most convenient option lately. 6: Health insurance purchased just before or just after surgery will cover the medical expenses

3. There are certain rules and regulations that need to be kept in mind while applying for Health Insurance Claims Management Companies. Almost all policies have a clause for a waiting period before claiming. It is highly recommended to read the policy terms and conditions before taking adequate steps. 7: Pregnancy is not covered under health insurance Pregnancy and maternity coverage are subject to certain constraints, but they are covered under health insurance. Some policies might have clauses for waiting periods, but they sure do cover up for pregnancies. 8: The cheaper the policy, the better it is There’s no harm in buying a cheaper policy, but one should remember, these policies have restricted offerings. 9: People who smoke often cannot buy health insurance If smoking has caused you respiratory disorders, the treatment will be done under pre-existing disease type of the policy. Under no circumstances, one will be denied access to Health Insurance. The Claim Consultants provide the easiest and quickest process to get your Claim Insurance and Travel Claims Service on any kind of insurance policies easily. Fill out some basic information and their experts will contact you in no time. The company also offers the option of checking the status of your Car Insurance Claim Process, which makes the claim settlement process hassle-free.