We purchase health insurance for our peace of mind. We visualise that if an emergency attack arises on your body, our cover will glide smoothly and foot our hospital bill along with you focusing on rehabilitation. What happens though, when your health cover doesn’t act so seamlessly in time of need?
Unfortunately, hidden terms and old coverage can leave you with enormous bills. At Pratham Services, we feel that knowing your coverage is just as vital as owning it.
Why Health Insurance Fails You Sometimes
A lot of individuals tend to think that with a policy in place, they’re completely covered. But there are various pitfalls that jeopardize your cover:
- Room Rent Limits: Low limits might limit your hospital room selection.
- Sub-Limits on Treatments: Restricted reimbursements for surgeries or diagnostics.
- Waiting Periods: Serious illnesses can take time to be covered.
- Exclusions: Some treatments might not be included.
- Capped Post-Hospitalization Expenses: Limited coverage of follow-up care.
Real Story:
A client came to us after she understood that her basic policy only covered a small portion of her cancer treatment expenses because of sub-limits and exclusions.
Common Mistakes Leading to Gaps
- Choosing Based Only on Premium
- Not Reviewing the Policy Annually
- Ignoring Fine Print
- Relying Solely on Employer-Provided Insurance
How to Fix Your Health Insurance
1. Read Your Policy Carefully
Understand inclusions, exclusions, and limits.
2. Increase Your Coverage
Choose higher room rent limits and lower sub-limits.
3. Add Riders
Think about critical illness covers and top-up policies.
4. Opt for Family Floater Plans
Make coverage easy for young families.
5. Verify Network Hospitals
Make sure your favorite hospitals are covered.
6. Factor in Health Inflation
Review your sum insured every few years.
What a Good Health Insurance Plan Should Cover
Comprehensive Hospitalization Expenses
- Pre and Post-Hospitalization Costs
- Daycare Procedures
- Critical Illness Coverage
- Emergency Ambulance Charges
How Pratham Services Can Help
Selecting the right insurance is about getting to know your needs, seeing the best alternatives, and having continuous assistance. At Pratham Services, we make sure you receive protection that actually covers you.
Closing Thoughts
Medical emergencies are unexpected. Your insurance must be ready when it counts the most.
Check your policy now. Boost your cover. Don’t have nasty shocks.
Speak to Pratham Services because genuine peace of mind is the result of genuine preparation.