Health Insurance in a Post-Pandemic World: Here Are Some Do’s and Don’ts

The COVID-19 pandemic has been highly instrumental in teaching people about the importance of securing one’s health. The need to have a financial backup in the case an unfortunate health condition comes knocking has also been emphasized. Both these aims can be achieved with the help of a well-designed health insurance plan.

There has also been a significant rise in the number of people looking to buy health insurance after the pandemic. If you, too, are planning to insure your health in this post-pandemic world, then here are some do’s and don’ts you should ideally follow.

Things to remember when buying health insurance plans

  • Do remember to check the insurer’s credibility

The kind of insurance provider you choose has a considerable influence on your entire health insurance experience. Check the claim settlement ratio of the insurer to get an idea of the likelihood of your claim being approved. Also, check how many network hospitals the insurer has. A good cashless health insurance provider would have a large number of network hospitals where you can access high-quality treatment. *

  • Do opt for comprehensive coverage

A simple policy with basic coverage may seem economical. But, when health issues strike, you and your loved ones are going to require comprehensive coverage. Beyond the basic hospitalization, one should also look for coverage for AYUSH treatment, pre- and post-hospitalization, organ donor expenses, day-care procedures, diagnostic tests, X-rays, and so on, in addition to coverage for COVID-19. *

  • Do read the sub-limits of the policy

A health insurance plan has limits on its coverage regarding certain expenses, such as room rent, ICU admission, and consumables. When these expenses go over the limit mentioned in the policy, the claim that you raise may be rejected. Therefore, do remember to read the sub-limits to make the most of the benefits of health insurance. *

* Standard T&C Apply

 Things to avoid when buying health insurance:

  • Don’t ignore the riders

Leading insurance providers offer several riders with their health insurance plans that help the policyholder get ultimate protection, such as coverage for tele-consultation, pathology and radiology expenses, preventive health check-up for various health disorders, and so on; one can even opt to receive daily cash allowance with the daily cash benefit rider. One should not let go of these riders in the fear that they will incur a higher premium. *

  • Don’t hide important medical information from the insurer

If the insurer finds out that the medical information that you provided during the purchase of the policy is wrong or incomplete, then there is a high likelihood of your future claims being rejected. *

  • Don’t hesitate to ask questions to the insurer

As a new insurance buyer, you may have certain doubts and questions in mind. What is meant by a deductible? Can I cover my nephews and nieces in a family health insurance plan? Should I opt for comprehensive coverage if I have my employer’s health insurance? An effective way to deal with these questions and doubts is to discuss them with the health insurance provider. *

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.


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