The pandemic raised awareness among the population in general and made them understand the importance of a health card. The health card is issued after considering several factors such as the age of the applicant, pre-existing ailments and coverage amount. But what factors should you consider before buying the right health plan?
Tips to choose the right health card
The marketplace: Most salaried professionals do not need to buy a health plan separately as their employer provides one for them. These are available at subsidized rates for the employees. However, you must evaluate what benefits the health card offers and which diseases are covered by it. If you still need another health card, you can choose to buy a plan by consulting with a healthcare solution provider or an insurer.
Compare the plans: There are various types of healthcare policies available in the market. Compare the benefits offered by each of them before choosing one. Also, check the list of doctors/hospitals that participate in the plan’s network.
Number of policyholders: Each individual has a different requirement from a health card or health plan. Some may have family members dependent on them while others may be looking to buy a health card for a specific purpose. Depending on the purpose and the number of policyholders, you can choose from the following:
- Individual
- Maternity
- Group
- Accidental
- Critical illness
Cost of premium and coverage: Compare the premium that you will have to pay for the same coverage amount. Choose the health card which provides the most benefits at the least premium.
Compare the additional benefits: Some cards offer critical illness coverage, while others may have better hospitals under their wing. Compare such additional benefits and choose the right plan for your needs.
Read More: How Can I Talk To A Doctor Online?
