| Top 5 Tips for Choosing the Right Hospital Cash Insurance Policy
Top 5 Tips for Choosing Hospital Cash Plan - iServeU

Top 5 Tips for Choosing the Right Hospital Cash Insurance Policy

Whether we admit it or not, we all make lifestyle mistakes and regret for wrong food choices. Due to those small mistakes, our body takes in a lot of junk food which later causes incurable diseases. For that reason we need to choose a good health insurance or the right hospital cash insurance policy that offers maximum benefits and coverage to our loved ones at any medical emergency. However, with the availability of various hospital cash insurance policies, it’s difficult to pick the right one for you. If you start comparing the benefits of hospicash insurance policy, its features, inclusions, and limitations, you can find the exclusiveness and advantage over other policies. But to make a smart choice and to avoid any reckless decision, one must check out the useful tips for how to  choose the best  hospital cash insurance policy & tips to choose health insurance for you and your  family.

  1. Check out the Policy Coverage

 The health insurance policy benefits are numerous but it doesn’t cover any extra expenses. Those inadmissible expenses include transportation charges, medicine costs, price of surgical accessories, X-Ray charges, expenses of accompanying family members, etc. The benefits of hospital daily cash insurance policy must provide a daily amount during hospitalization period and one can use it as per the insured’s need. The policy must include all the extra cost that is not covered under your health insurance.

  1. Check the daily cash amount

 Many health insurance providers provide daily cash ranging from Rs. 500 to Rs. 3,000.  You must check how much amount you would get per day during your hospitalization period. If you invest a small amount and get a good daily cash benefit that can cover the other expenses, then you must go for it.

  1. Check the maximum days of hospitalization

 Many hospital daily cash benefits are limited to 30 days. You must check out the period of hospitalization it covers. If the plan covers 30, 45, 60, 90 or 180 days of hospitalization, go for it.

  1. Check the premium amount

 The premium amount for different hospital cash insurance policies differs from one another. Check the premium amount that is reasonable and offers a good return on investment.

  1. Look for Advantage to add Family Member

 Insurers should offer some discount on the premium amount, when more than one family member is covered under the same policy. While purchasing a hospital cash insurance policy, be sure that you can easily add a new family member. So, you can avail family discounts.

Benefits of Hospicash insurance policy:

  • You would invest a small amount for a year and get Rs.500 per day during your hospitalization period.
  • Workers, unbanked people, labors and daily wage workers can avail this service.
  • In case of ICU confirmation, the cash benefits would be doubled.
  • You can avail a profit of 5% family mark down, if two members of your family apply for this insurance.
  • The policy covers the extra expenses like transportation costs, medicine costs, and other expenses that are not covered under health insurance.
  • In case of permanent disability, a person would avail the cash benefit up to Rs. 1,00,000.
  • In case of unfortunate death of a policyholder, the nominee would get the cash benefit up to Rs. 1,00,000 and if the policy holder meet with any accident, he/ she would get up to Rs. 2,00,000.

If you have health insurance, you can avail health insurance policy benefits but adding benefits of hospicash insurance policy are supplementary. The above mentioned tips would inform you “how to choose the best hospital cash insurance policy”.  Secure your future with the right health insurance along  with a hospital daily cash insurance policy to save yourself from any financial loss. Enhance your coverage benefits by purchasing the right policy. If you are searching for a policy that can benefit you and your loved ones in difficult times, visit iserveu.in and for more info call at +918338088000.