It is not only about today, we always want to secure ourselves and our loved ones from every problem always. We want to secure them in every possible way and health and related issues are one of them. Health insurance is an effective insurance plan that offers comprehensive coverage to the insured and his family so that they can fight against any medical emergency, easily. Its has a lot of helpful features and advantages, but still, many people have wrong perceptions about it and that needs to be cleared so that they can also understand the need and importance of having a health insurance policy.
Generally, it is found that people read the fine prints of policy documents just to clear their doubts, most of which gets cleared but still, the human mind is full of negativity and wrong perceptions, he/she easily find something wrong or misleading in it. People usually have different myths regarding a health insurance policy, but no one ever tries to check it deeply and find facts. It is true that there are several things that an insurer does not cover but it will clearly show all the exclusions in policy documents, you need to just check them thoroughly.
Here are some common myths about health insurance along with facts so that you can clear your doubts easily.
Myth 1 – All pre-existing disease will not be covered
Whether the customer has a pre-existing disease or not is a big issue when it comes to purchasing health insurance plan. Some think that it will not be covered by the insurer so they drop the idea of purchase. The fact is, every insurer has different clauses related to pre-existing disease. You can read the policy documents thoroughly and related clauses as well. From there you can get to know about different time periods that they follow. For those who are healthy at the time of purchase, these clauses are not for them.
Myth 2 – Pregnancy Expenses : No Cover
It is true that a few years back not a single insurance company was ready to cover pregnancy expenses and a few people still have this in mind. The fact, however, is that nowadays there are several insurance companies which provide cover for this as well. With time, things have also changed and you can easily get a cover for this expense as well. But you need to check it at the time of purchase so that you don’t have any doubts regarding the same later on.
Myth 3 – 24 hours hospitalisation is always needed
It is a common myth that the insured needs to be hospitalised for minimum of 24 hours before filing any claim. It is a big myth that all procedures require minimum 24 hours of hospitalisation which is not true. A few procedures like cataract, dental treatments among others do not need hospitalisation. For these ailments, you can check the clauses of day-care treatment in the policy document. Reading them will clear your issues.
Myth 4 – Offline plan is better rather than online
Today, more people work online rather than offline. Buying any health insurance online is same as buying offline. The whole concept is the same, the only difference is that online purchase will save your time and money as well. By purchasing online you have to pay less premium as there will be no agents, hence no commission to pay. It is advisable to search online, compare health plans and get the best one within a few minutes.
The author is founder and CEO, PolicyX.com