Health Insurance Tips 2024 – Mana Hyderabad Style lo Perfect Guide!
Ee rojullo health insurance ante basic safety laagane aipoindi. Evari ke health issue ochina kuda, hospital bill entha aipoindi ani chustunte chala pedha amount outundi. Adhe health insurance unte, emi tension ledhu. So, ee article lo simple tips tho health insurance gurinchi mana complete guide istunna!
1. Right Policy Choose Cheyyandi
Prathi policy oka policy kada! Mana ki suit ayye policy ni careful ga choose chesukovali. Emi type coverage kavali ani clarity unna policies chuskondi. Family coverage aithe family floater policy better avuthundi, lekapothe individual policies guda undayi.
Tip: Basic ga policy ni coverage items (room rent, daily allowance, etc.) batti compare cheskondi.
2. Coverage Maximum unte baga Safe
Manam select cheskunna policy lo coverage limit maximum untundhi ante better. Okka sari admit aite huge bills vachesayi, so emi coverage limit chinna kadu annedi ekkuva limit coverage tho tisukovadam best.
Hint: Minimum 5-10 lakhs coverage maintain cheyyali ante oka decent coverage untundi ani.
3. Waiting Period ni Check cheskondi
Policy teesina ventane prathi coverage start avvadu, health insurance lo waiting period ani untundi. Ante, kunni treatments ki adi activate avvadani ki time paduthundi. Pre-existing conditions unna, ekkuva waiting period kuda untundi. So, oka policy choose chesetappudu waiting period kuda compulsory ga chudali.
Best Advice: Mi health condition batti shortest waiting period unna policy prefer cheyyandi.
4. Cashless Network Hospitals unda ani Chudandi
Health emergency lo, cashless treatment entha useful ani andariki telusu kada! So, mi policy ki attach aina network hospitals list compulsory ga check cheseyandi. Local hospitals, best network hospitals policy ki link aithe tension ledhu.
Trick: Gachibowli, Banjara Hills ilanti areas lo best hospitals cover chese policies unte prefer cheyyandi.
5. No-Claim Bonus (NCB) Benefits Check Cheyyandi
Mana policy lo no-claim bonus unte, year lo emi claims lekunda unte, next year mana coverage amount penchukovachu. Ee no-claim bonus tho mana premium kuda thaggutundi, so baga choosi policy tisukondi.
Example: Year lo emi claim chayyaledu ante mana coverage 10% increase avuthundi. So, simple ga premium ni control cheyyachu.
6. Pre & Post Hospitalization Coverage Important
Policy ki pre- and post-hospitalization coverage unda leda compulsory ga check cheseyandi. Adhe coverage undante, hospital admit aiyanante time ki mundhu ochina costs, discharge ayyaka costs anni cover chesayi.
Idea: Oka 30 days pre-hospitalization, 60 days post-hospitalization coverage policy best untundi.
7. Room Rent Limit Observe Cheyyandi
Policies lo room rent limit ani undi. Ekkuva room rent charges teesina policy limit reach ayite miku balance pay cheyyali untundi. So, room rent kuda chinna limit kakunda decent limit unna policy choose cheskovadam manchidi.
Simple Note:Room rent limit minimum 1% of total coverage amount unda chudandi.
8. Top-Up Policies ni Consider Cheyyandi
Miku base policy already unte kani, extra coverage kavali anukunte top-up policies kuda consider cheyyachu. Top-up policy ante, existing policy limit ni cross chesina appudu activate avvuthundi, ila bills ki backup laaga baga use avutayi.
Tip: Base policy lo coverage takkuva anipisthe, kachithanga top-up policy kuda add cheyyandi.
9. Exclusions Gurinchi Clarity Teeskondi
Prathi policy lo exclusions (ante undani treatments or services) list untaayi. Ee exclusions gurinchi policy document lo detail ga undi. Policy chusina appudu emergency lo use avvani exclusions chala unte a policy avoid cheyyadam better.
Example: Dental, pregnancy expenses ila undani items exclusions lo pettadam common. So, mundhe telsukoni policy select cheskondi.
10. Premium Thaggali ante Age Factor Consider Cheyyandi
Age thaggina appudu policy teesukunde, premium baga reasonable untundi. Age penchina premium rate kuda perigipotundi, so early ga policy start chesina better.
Idea: 20s lo teesukunte, emi premium burden thakkuva untundi anni.
11. Claim Settlement Ratio Choosi Select Cheyyandi
Insurance companies lo claim settlement ratio baga important. Ekkuva claims settle chesina company aina credibility undi, emergency lo confident ga claims process avvadam jaruguthundi.
Pro Tip: Company claim settlement ratio check chesi 90% above ratio unna policy aina select cheskondi.
12. Tax Benefits Gurinchi Matram Miss Kakandi
Health insurance premium ki tax benefits untayi annedi andariki telusu kada! Section 80D prakaram, policy ki paid premium meeda deductions vuntayi.
Tax Saving Tip: Tax benefits ante miku oka bonus. Ee benefits ni chuskoni perfect health policy teesukondi.
13. Policy Renewals Miss Kakunda Careful Ga Chudandi
Policy renewals timely chesina insurance coverage active ga untundi. Renewals miss ayithe, waiting period anni nundi reset avuthayi. Policy renew cheseyetappudu emi gap lekunda timely renew cheyyali.
Reminder: Renewal date miss avvakunda policy continue cheyyandi ani reminders maintain cheyyandi.
final review: Health Insurance ante Future Safety!
Ee rojullo health insurance undali ante oka mandatory investment laaga chuskovali. Policy chusi chusi confuse avvadam enduku, ee simple tips follow chesi oka perfect policy teesukondi. Mi family ki emi health emergency situation vacchina tension ledhu.
Health insurance lo right choice teeskunte emi medical emergencies aina handle cheyyadam easy avuthundi. Ilanti tips follow chesi, future ni secure cheseyandi!