There are many Indian citizens who are dissatisfied with the services of health insurance providers. The main reason for their dissatisfaction is the rejection of health insurance claims. Majority of these people do not want to know the cause behind the rejection, but instead show frustration for not being offered the required coverage or reimbursement. Research shows that many of these claims get rejected because of a wrong choice made by an individual at the time of choosing a health insurance plan.
People should understand their health insurance plans before buying to avoid these confusions. One important point that everybody should keep in mind is the associated waiting period. This is the time period before which there is no coverage offered for the particular ailment. If a person claims for the same illness before the waiting period elapses, he/she would not be offered the coverage. The other important point that a person should ponder over is to go through the exclusions section. It will help in informing him/her about the uncovered perils.
There is much confusion with regard to cashless hospitalization facility. People should remember that this facility can be availed only in network hospitals and thus, going to non-network hospitals to seek treatment on cashless basis does not make any sense. The common cause behind all these problems is that people do not read the terms and conditions of their health insurance policy carefully and thus, face problems at the time of claim settlement. Many of these people do not look into their healthcare needs while buying insurance, which is the other important point to be pondered over.
It is, therefore, recommended that an individual should choose the health insurance plan carefully, after considering all his/her healthcare needs. One should also read all the terms and conditions properly and should understand their plan so that they do not feel guilty over their choice later. All these issues can be alleviated to some extent if a person buys a comprehensive health insurance plan from a reputed provider that takes care of health needs of people while designing their products. These providers try their best to offer the required coverage to the people. Their products are coupled with best services and facilities such that their customers are able to enjoy their lives to the fullest.