Hassle Free health Insurance policy

Know your Insurance Rights Well.  Life today has become very unpredictable. With increasing pressures there are many lifestyle related diseases that can strike anytime. Stress is one of the biggest killers today that gives rise to medical emergencies and an accident can never be foreseen. Medical treatments have, like everything else today, become extremely expensive and even the smallest of all treatments can affect your bank balance.   A Health insurance policy thus becomes a must in such uncertain times. However, most people do not have a health insurance policy on their priority list because they feel getting the right insurance is a very complicated process. But with the world going online now getting health insurance quotes and details have become very easy and you have the facility to compare the various medical insurance policies before you finally decide on one.  When looking for online medical insurance look out for the deals given out by the different health insurance providers. Compare medical insurance benefits that all these companies offer without just focusing on the premium amount. Here are a few things that you may take into consideration when you look out for a health policy in India.

•Total coverage amount and premium to be paid •Cashless settlement option •Good hospital network •Details of ailments covered •Pre existing ailment cover •Permanent exclusions of treatments •Details of expenses that will be reimbursed such as diagnostic charges, medication costs etc •Maximum sub limit to each plan •Specific cover for critical illnesses •Maximum entry and renewal age  Along with looking at the above mentioned benefits you also need to consider the type of policy that you need when looking to compare medical insurance. You can either go for an individual policy, a comprehensive floater policy a personal accident insurance plan or an overseas health insurance India policy   Individual policy: This type of medical insurance policy covers only the insured and provides for all medical expenses for hospitalization, medication, diagnostic charges of the insured alone.  Floater plans: Floater plans allow the insured to include his/her family including spouse and children or parents to get medical cover under the umbrella of one policy instead of taking individual policies in each members name.

Personal Accident Policy: These cover medical emergency costs in the event of an accident of the insured and provide monetary cover in times of a temporary or permanent disability along with taking care of medical expenses. Overseas health insurance India: These plans cover doctor visits, hospitalization, surgery and prescriptions for sicknesses and injuries that occur on a trip abroad.  Another important point to keep in mind when you compare medical insurance quotes and facilities is the renewal policy. Most insurance providers look at renewing the health insurance policy annually. Since this becomes an annual process you will have to compare all quotes and facilities available and choose the right policy. Lastly when you compare medical insurance, do read the fine print and understand your consumer rights in order to get the best deals and enjoy them without any hassles.   .Health insurance policy, or health policy in India, or overseas health insurance India are various insurance plans that can be bought through websites offering online medical insurance.