When it comes to selecting the best mediclaim policy in India for family, there are a few factors to consider. Here are some points to ponder while selecting a mediclaim policy that is right for your family.
Coverage: Every mediclaim policy offers different levels of coverage. You need to consider your family's medical needs and choose a policy that offers adequate coverage. Opting for higher coverage will help you to be prepared for any medical emergency that may arise.
Claim Settlement Process: The claim settlement process should be simple and hassle-free as medical emergencies can arise anytime. Check the claim settlement process of the mediclaim policy to ensure smooth and timely claim settlement.
Network of Hospitals: Look for mediclaim policies that have an extensive network of hospitals across India. This will provide you and your family with more convenience and choice.
Add-on covers: Some mediclaim policies offer additional covers like pre- and post-hospitalization, ambulance cover, and air ambulance cover. These covers can come in handy in case of unexpected medical emergencies.
Coverage for Pre-existing Diseases: Make sure to check the coverage for pre-existing diseases offered in the mediclaim policy. This is especially important if any of your family members are suffering from any pre-existing disease.
Make sure to compare mediclaim policies of different providers and select the one that offers maximum coverage at a low premium. You can look for reviews online and compare the policies at websites like Policy Bazaar, or Moneycontrol. It is advisable to read the fine print carefully and understand the terms and conditions of the mediclaim policy before buying one.