Sep 16, 2016 06:34 PM
29586 Views
Sir, I have read reviews of several policy holders with their experiences, I wish to give some feed back infmn as noted below.
As everybody is aware that health is most important one, if health is sound every thing like money, wealth, satisfaction of life are good. Now days due to life styles & other reasons we are suffering from one or other diseases like infections, high fever like dengue, diabetes, hypertension, cancer, kidney diseases, brain tumor etc, for all these we have to spend lot of money towards hospitalization, which may cost from few thousands to lakhs of rupees or some times may cost even crore. Due to several commitments, we are not in a position to spend money then what to do?, we have to take loans or to withdraw all our savings or to sell moveable or permanent assets, some times we don't get loans. Therefore it is better to have health insurance policy to cover hospital expenses. There are nearly 28 companies dealing with health & life, general insurance in india.
There are no of very good health insurance providers, which are giving full benefits, it is very difficult to name particular provider. Therefore it is better to follow some simple procedures before buying a health insurance from any company 1) always do not buy on line or bank assurers or intermediary for one or other reason or from bulk sellers since the buyer is not able to know all the terms & conditions of policy. 2) You may call company's
agent or officials to explain all your clarifications, doubts, terms& conditions, benifits, claim settlement etc, then decide to buy the policy if you are fully satisfy even at the cost of sparing some time for all this. Before making premium payment proposal has to filled.
While filling by ys or on yr behalf pl ensure that all the details are filled correctly such as age, name, add, present health condition, previous health details for 5 to 7 yrs depending on company. After reciving the policy document with copy of proposal, verify the same for its correctness & mistakes if any, pl infm insurer early to make correction that you have noticed. In all claims, proposal form you have filled is very important document.Non disclosure of any previous health condition, pre existining ones at the time of proposal will leads to denial of claims, besides cancellation of policy.Further if you have not satisfied with terms & conditions, you may cancel the policy in writing within free look period i.e within 15 days for refund of premium. After 15 days if you cancel the same, will get refund of premium proportionately & nil refund after 3 months. This is only an infmn based on my experience with some insurer.
