After a person compares the health insurance premium of two or more plans, he or she tends to lean towards the one that is cheaper. The fact is that the cheaper one may not be worth the money at all!! Scanning for a medical insurance policy based on the premium of the plan is quite a waste of time. There are different companies that offer different kinds of health insurance plans and therefore the premium is bound to vary. When you compare the price of a medical cover policy that provides only inpatient coverage with that of a plan that provides only OPD cover, there is no real ground for comparison. One might find the latter cheaper and blindly buy it. But is it worth the amount spent?
Often people find themselves facing problems after they have dealt with claim process. Again the problem arises because of lack of knowledge. One should read the policy before buying the plan so that the coverage of the plan is known. The health insurance premium is dependent on a number of factors and therefore should only be compared after consideration of all other factors. Healthcare expenses need to be carefully thought-through. One cannot predict what ailment might befall them, then how can they ‘plan’ medical care expenses.
One should compare the cover given by the mediclaim policies, against the expenses of the treatments covered by the plan. Judging by the health insurance premium of various plans, one should then decide which of the suitable policies the right one for them is. Insurance plans should be picked on a personal basis. Apollo Munich Health Insurance provides a variety of policies and variants of the plans to ensure that people can find the appropriate cover. Each of the different plans offers a range of cover and premium amounts.
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