YOUR SAFETY IS OUR PRIORITY: In the light of the Coronavirus (Covid-19) outbreak our team is taking all possible steps to be readily available for our customers. For any help, you can also visit our. Self Help section
Request A Call Back icon
CLAIMS SETTLED Rupees 2,913 Crores Claims Settled from Inception till June 2017.
Claim Board
Sitemap > Insurance Articles > General Articles > Selecting the Right Plan
When people require healthcare, there are a lot of problems that they face. There was a time when the main problem was that the kind of treatment needed was just not available within the country. With the onset of world-class hospitals in India, people now have easy access to these places. However, sadly, the cost of healthcare is very high and therefore most people cannot get the high-quality treatment needed. A person may have a world-class hospital right next door, but finds it difficult to get the kind of medical care because of the cost. This seems unfair, since science and technology are advancing with the aim to help people. 
Although there are many solutions to help people deal with such expenses, it becomes critical to pick the right plan. The ‘right’ policy would vary from person-to-person. Plans that suit one individual may not suit another. People can compare health insurance policies and then pick the one that suits their medical requisites the best.
For some people even basic medical care and attention are difficult to get. Despite knowing that there are many health problems that have symptoms such as a simple cough, cold or headache, a lot of people do not visit the doctor unless the problem compounds. This is where the problem starts. Minor problems, if not dealt with in time, can easily turn into a major problem. While selecting a policy, this point should be remembered. Doctor’s visits and diagnostic tests should be covered by the policy so that people are able to get the right kind of medical assistance. 
The vast number of choices leads to confusion in the minds of the person buying the plan. Most people can get themselves the finest health insurance coverage, but owing to lack of knowledge they end up with the wrong plan. When people have the ability to compare mediclaim plans, they can comprehensively check the value of the coverage against the premium payable. 
If possible the customer should buy a plan that covers inpatient and outpatient treatments. There are some medical insurance plans that offer coverage only for inpatient treatments, while there are others that cover outpatient treatments as well. Plans like Maxima cover all kinds of treatments. These are generally referred to as 360 degree plans. Customers have a broad choice for selecting the policy that is most suited to their personal needs.
Request A Call Back
I authorize HDFC ERGO Health Insurance Ltd. (formerly Apollo® Munich Health Insurance) and associate partners to contact me via email or phone or SMS or WhatsApp.