Right Health Insurance Policy Kaise Choose Karein
Aaj market me itni saari health insurance policies hain ki aam aadmi confuse ho jaata hai. Har company aur agent kehta hai – “Sir, ye best policy hai.” Lekin sach ye hai ki har policy har insaan ke liye sahi nahi hoti.
Right health insurance policy choose karna sirf premium dekhna nahi, balki apni zindagi, parivaar aur future ko samajhna hota hai.
1. Sabse Pehle Apni Zarurat Samjhein
Policy lene se pehle khud se kuch sawal poochna zaroori hai:
- Kya aap single ho ya family ke saath?
- Kya parents aap par depend karte hain?
- Koi purani bimari (BP, sugar, asthma) hai?
- Aap metro city me rehte ho ya small town me?
Example:
Agar aap 30 saal ke ho aur parents aap par depend hain,
to sirf individual policy lena galti ho sakti hai.
Family floater ya parents ke liye alag policy zyada behtar hoti hai.
2. Sahi Sum Insured Choose Karna Bahut Zaroori Hai
Sum insured ka matlab hai wo maximum amount jo insurance company aapko degi.
Aaj ke time me medical costs bahut zyada ho chuke hain:
- Normal surgery: ₹1–2 lakh
- Major surgery / ICU: ₹5–10 lakh
Recommendation:
Metro cities ke liye kam se kam ₹10 lakh aur
small cities ke liye ₹5 lakh ka cover hona chahiye.
3. Sirf Kam Premium Mat Dekhiye
Low premium wali policy attractive lagti hai, lekin baad me pata chalta hai ki:
- Room rent limit hai
- Disease-wise cap laga hai
- ICU charges limited hain
Example:
Policy sasti thi, par ICU par limit thi.
Final bill ka 40% paisa patient ko khud dena pada.
Lesson: Sasti nahi, value-for-money policy choose karein.
4. Network Hospital List Zaroor Check Karein
Cashless treatment tabhi milta hai jab hospital insurance company ke network me ho.
Example:
Emergency me paas ka hospital network me nahi nikla.
Admission to ho gaya, par cashless nahi mila.
Lesson: Apne shehar ke trusted hospitals pehle hi check karein.
5. Waiting Period Aur Exclusions Samajhna Zaroori Hai
Har policy me kuch cheezein turant cover nahi hoti:
- Pre-existing diseases
- Kuch specific surgeries
- Maternity benefits
Example:
Policy lene ke 8 mahine baad surgery hui,
lekin claim reject ho gaya kyunki waiting period complete nahi hua tha.
6. Claim Settlement Ratio Dekhein
Claim settlement ratio batata hai ki insurance company claims ko kitni seriousness se handle karti hai.
High ratio ka matlab hai claim pass hone ke chances zyada hain.
7. Lifetime Renewability Bahut Zaroori Hai
Health insurance sabse zyada zaroori hota hai 50–70 saal ki age me. Agar us waqt policy renew hi na ho, to policy ka koi matlab nahi.
Lesson: Hamesha lifetime renewability wali policy hi lein.
8. Agent Ki Baat Par Andha Bharosa Mat Karein
Agent ka kaam policy bechna hota hai, lekin aapka kaam apni family ko secure rakhna hota hai.
Khud bhi policy compare karein, documents padhein aur sawal poochhein.
9. Health Details Sach Batayein
BP, sugar ya purani bimari chhupana short term me sasta lag sakta hai, lekin claim ke time policy reject ho sakti hai.
Lesson: Sach bolna premium thoda badha sakta hai, par claim ke waqt policy bacha leta hai.
10. Right Health Insurance Policy Ka Matlab
Right policy wo hoti hai jo:
- Bimari ke waqt paisa ka bojh kam kare
- Hospital ke bahar majboor na kare
- Family ko emotional aur financial security de
Aakhri Baat
Health insurance future ka darr nahi, future ki taiyaari hai.
Policy lene ka best time hospital jaane se pehle hota hai, baad me nahi.
Aaj sahi policy choose karoge, kal sirf apni sehat par dhyaan de paoge, paisa ki tension par nahi.