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In order to choose the life insurance policy, one needs to consider all the factors. Some insurance services plan provides reduce a policyholder’s hassle; they offer a cashless treatment at their network-listed hospitals. If you are looking for such insurance providers, then go for Metis Marketing Services Pvt Ltd.
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5 Newest Features of Health Insurance in India In today’s world, everything is subjected to adulteration and due to this, people are visiting hospitals frequently. From the air we breathe to the food we eat, everything has now become toxic and that is why people are facing major problems related to their health. Due to the rise in the cost of healthcare facility, it only takes few treatments to wipe off person’s lifetime savings. Thus, health insurance has become the basic need of any person. In order to choose the life insurance policy, one needs to consider all the factors. Some insurance services plan provides reduce a policyholder’s hassle; they offer a cashless treatment at their network-listed hospitals. If you are looking for such insurance providers, then go for Metis Marketing Services Pvt Ltd. Let’s see the few important features that could help you to take a more informed decision. 1.Covers life renewability While most of the private insurance do not limit the age gap in their health plans but state-owned general insurance cap the entry age at 65. As per rule all the health policies have to offer lifetime renewability but according to the report, if one fails to renew the health plans, then at the time of claim you will lose the existing benefits. But according to the new plan, lifetime renewability would be available even if the claim was made in the previous year. 2.Offering sub-limits When it comes to covering the hospital cost including room rent, surgery fees, operation charges, etc, sub-limit offers the limiting re- imbursements under each or some of the cost-heads to a pre-
defined level. Some health plans do not have the benefit of sub- limits while some offer the sub-limits to reduce the premium payable. 3.Coverage of Pre-existing ailments All the health insurance plans cover pre-existing ailments but after a period of 48 months while some covers pre-existing ailments after 36 months or waiting period lesser than this. So, remember every time you change the insurer pre-existing start from zero unless the policy is properly ported to the new insurer. 4.The OPD expenses The most important requirement for a health insurance claim is the minimum hospitalization of 24 hours. Sometimes it takes lesser time due to the technology advancements. OPD expenses cover small- time medical treatments like dental etc, while day care includes some larger expenses like some major surgeries or laser therapy which include the hospitalization for less than 24 hours. For the best OPD expense coverage, look up to the Metis Marketing Services Private Limited. 5.No medical tests allowed up to the age of 45 Most insurance providers do not require policy buyers below 45 years of age to undergo medical tests unless the buyer has some adverse medical history. However, the buyer should make all the required medical disclosure including his existing medical treatment or the past medical history. Conclusion While choosing a health cover, you should compare plans from 2-3 preferred insurers. Do not take decision solely on your premium; instead look for the simple plans with less condition and less restriction. Also, remember plan the health insurance coverage for
your each family member. Consult Metis Marketing Services Pvt Ltd for the best life insurance coverage, they will educate you about each term and policies.
