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Friday, March 07, 2008
7:02 AM
Things to consider before buying Health Insurance

1. What's the limit?
Don't assume you can claim any amount you wish, find out what is the limit you are entitled to claim, and also annual claim limits.

2. Is there Exclusion clause in your policy?
Know what is the exclusion clause in your insurance policy.

3. Pre-existing conditions
Most health & medical insurance company do not cover any pre-existing illness so insure yourself when you’re healthy.

4. Renewal period
Do you have to renew your insurance yearly? What is the maximum age which you’re allowed to renew the policy?

5. Is there any co-insurance & deductible?
Co-insurance means that you have to share the total medical cost incurred with the insurance company. Deductible means that you have to pay a certain minimal amount of the medical cost and the remaining will be paid by the insurance company.

6. The claim process?
What is the procedure to make a claim?

7. Cost of the insurance
First, you must ensure that the benefits are sufficient to meet your needs. Next, check whether you can afford the premium.

As for those of you thinking about insurance for your business Business Insurance offers a wide range of insurance for your business needs. They also have interesting packages for you home/ travel/ pet insurance!