Wednesday, 16 December 2015

Buying a Health Insurance Plan – Tips for Choosing the Right One

You may get several affordable health insurance plans which can be different in size and structure, but choosing the right health insurance cover is an important decision. Before buying any health insurance, it is good to know the quality of services, cost, type of coverage and benefits included within the plan you are choosing. If you are not clear about the insurance benefits and new to all these things, take the help of a professional insurance advisor who can help clear many of question regarding your health insurance. Here are some tips to keep in mind while choosing a health insurance plan.

  • Whether your company provides a health cover or not, it is always a best practice to purchase a health insurance plan. There may be some cases when you leave the company and your company withdraw all the health covers, in such situations your personal health cover may assist you. It can help you when some of your loved one is suffering from a chronic disease. 
  • It is always wise to choose the right amount in your insurance plan. Your health cover may vary from city to city. If the population of the city is not that much high and the city is small in which you are living, it is preferable to have health coverage of 3-4 lac. On the other hand, if you live in a metropolitan city, the amount of your health insurance can exceed to a small extent.
  • If you already have a health insurance plan and you are not happy with it, don’t think to purchase a new plan instead port it to the new one to get the maximum benefit. The advantage of port a plan is that the benefits of your old plan get transferred to the new policy and you keep upgrading new health plans with time. 
  • It is always advisable to buy a health cover as early as possible in your life stages. When you reach in your 40’s, you are less liable to make claims so you cannot reap all the benefits of your plan. 
  • Make sure that the plan you purchase should be renewable lifetime so that you can enjoy the benefits at your older stages when you have major health problems. 
  • One of the most important things when buying a health insurance plan is choosing a reputed agent or health insurance company. Always take the help of your neighborhood, relatives or an online website to select the most suitable plan that fits best within your requirements. 

Hence, before buying a health insurance plan from a company, make sure that the company is registered, trustworthy and reliable. Read all the plans and services carefully that are covered in the insurance plan you are buying.


  1. Most of the time, people fail to understand the importance of such a solution, which can be their escape plan from a situation like this. The key to escape plan is known as health insurance plan.

  2. Nice and interesting information and informative too. Can you pls let me know the good attraction places we can visit: cheap car insurance