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A health policy with too many clauses may not allow you to use the entire sum insured

 

A floater policy provides health insurance cover to all members of the family under a single policy. If a member of the family falls ill during the policy term, his medical bills are covered upto the entire sum insured. In other words, there is no limit on the amount of cover available to each member, within the sum insured.

 

You can buy a basic policy or a comprehensive one, according to your needs. A basic policy would pay for hospitalisation only, while a comprehensive one can also include outpatient treatment, maternity, ayurvedic or non-allopathic treatments etc.

 

Waiting period: Before buying a policy, it is important to understand its waiting period and exclusions. Waiting period is the time during which a specific condition will not be covered. Pre-existing diseases and maternity are usually covered after a few years of running the policy. Some policies limit the cover on room rent and treatment of certain illnesses.

 

Sub-limits: It may happen that you have a large insurance cover, but may not be able to use it because of limits on room rent etc. To avoid this problem, choose a policy without sub-limits.

 

Co-payment: Another feature to be noted, is the co-payment clause. This clause requires that a certain percentage of admissible claim would be borne by the policyholder every time a medical facility is availed.

 

Policies with these clauses generally cost less. Evaluate your needs, and whether you would like to pay a part of medical costs with your policy. You can choose from Apollo Munich Easy Health- Family Floater and ICICI Lombard Complete Health Insurance-iHealth Plan.

 

 

 

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