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Home Featured

7 Tips to Upgrade Health Insurance Easily

by Harold Washington
November 25, 2019
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7 Tips to Upgrade Health Insurance Easily
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Health insurance plans are becoming popular in India over time. With growing medical costs, health insurance is sounding more and more affordable. Health insurances cover you when you pay the annual premium every year. Therefore, you must renew your policy before it expires. Similarly, you must also consider upgrading your policy in case of any issues with the present insurer.

If you are planning to upgrade or renew your health insurance plan, you must go through the following tips:

  1. Lifetime renewal

Check if your insurer is offering a lifetime renewal of your health insurance policy. There should be not any cut-off age for your health insurance. Therefore, if you are with an insurer that has a capon the age to renew health insurance, you can either switch the insurer or upgrade to a better plan. Select a plan with lifetime renewability option. Moreover, opt for a plan with maximum benefits in order to cover your health and money in the end.

  1. Sufficient coverage

Analyze your health risks and requirements and then consider upgrading the health insurance plan. For instance, if you are looking for a plan for all members of your family, then find an insurance that covers them best. Considering all the family requirements might help you to finalize on a sufficient health insurance cover that will work for all their needs.

  1. Adequate sum assured

If your health requirements are increasing and you current coverage is not sufficient, upgrade your health insurance plan. You can opt for a higher sum insured to compensate for health emergencies. You will be upgraded to the new plan based on your current health conditions and claim history.

  1. Cashless hospitalization

You must upgrade to the new policy in two situations. If your insurer is delaying approval for your cashless claims, or the plan itself is making the process too lengthy. In both scenarios, you are the one to lose. Therefore, if you encounter any such issues in your current medical insurance plan,upgrade it. You can also use a premium calculator to buy a health insurance plan perfectly tailored for your budget.

  1. Loading clause

Loading is an additional cost built into the insurance policy to cover the losses that are higher than the anticipated amount occurred in insuring a person. Hence, check out for the loading clause in your current policy. You must upgrade your plan if you find this clause. It applies to people who are prone to any form of risk. Therefore, you must upgrade to a plan that does not impose the loading charges on you at the time of filing a claim.

  1. Comparison

Compare your health insurance plans with other plans. You can check out the plans on the official websites of insurers to choose the most suitable policy.

  1. Riders or add-ons

Go for add-on coverage if your policy allows you to do so. You can easily opt for riders to extend the benefits of your base policy. Such an add-on cover is a swift and easy way to upgrade your policy. In addition to your health insurance, there are various add-ons or riders that provide you extra protection during emergencies. A critical illness insurance rider and Room rent waiver are the common examples.

You must consider upgrading your health insurance policies that will cover you the best Keep these top seven tricks in mind before buying health insurance that suits you perfectly.

Harold Washington
Harold Washington
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