Zyada tar log health insurance tab lete hain jab koi bimari aa chuki hoti hai, ya phir sirf isliye policy le lete hain kyunki agent ne kaha – “Sir, best policy hai… sab cover ho jaayega.”
Lekin jab hospital ka bill haath me aata hai, tab pata chalta hai ki sab kuch cover nahi hota. Isliye health insurance lene se pehle sirf premium nahi, poori policy samajhna zaroori hota hai.
1. Sirf Sasti Policy Mat Dekhiye, Cover Dekhiye
Bahut se log sirf ye dekhte hain ki premium kitna kam hai. Lekin agar hospital bill zyada aa gaya aur policy ka cover kam hua, to baaki paisa aapko apni jeb se dena padega.
Example:
Ramesh ji ne ₹3,000 annual premium wali policy li.
Par hospital bill ₹5 lakh aa gaya.
Policy sirf ₹2 lakh cover karti thi,
baaki paisa unhe loan lekar dena pada.
Lesson: Kam se kam ₹5–10 lakh ka cover rakhna zaroori hai.
2. Waiting Period Samajhna Bahut Zaroori Hai
Health insurance me turant har disease cover nahi hoti. Diabetes, BP, thyroid, hernia jaise cases me aksar 1–3 saal ka waiting period hota hai.
Example:
Suman ji ne policy lene ke 6 mahine baad surgery karwai,
lekin claim reject ho gaya kyunki disease waiting period me thi.
Lesson: Policy document me waiting period zaroor check karein.
3. Network Hospital Check Kiye Bina Policy Na Le
Cashless treatment tabhi milta hai jab hospital insurance company ke network me ho.
Example:
Hospital paas me tha lekin network me nahi.
Admission ke time cashless nahi mila,
pehle paisa diya aur baad me reimbursement ke liye bhagdaud hui.
Lesson: Apne shehar ke network hospitals pehle hi check karein.
4. Room Rent Limit Jaise Chhote Rules Badi Problem Ban Jaate Hain
Kai policies me room rent par limit hoti hai. Agar aap limit se mehenga room le lete ho, to baaki medical charges par bhi cut lag jaata hai.
Example:
Room rent rule samajh me nahi aaya
aur final bill me 30–40% tak deduction ho gaya.
Lesson: Room rent capping zaroor samjhein.
5. Claim Settlement Ratio Zaroor Dekhein
Claim settlement ratio batata hai ki company kitne claims pass karti hai. High ratio wali company zyada trustworthy hoti hai.
Lesson: Sirf ads nahi, company ka record dekhiye.
6. Lifetime Renewability Bahut Zaroori Hai
Sochiye agar 60–65 saal ke baad policy renew hi na ho, jab health insurance ki sabse zyada zarurat hoti hai.
Lesson: Hamesha lifetime renewability wali policy hi lein.
7. Health Details Chhupana Mehenga Pad Sakta Hai
Kuch log BP, sugar ya purani bimari chhupa dete hain taaki premium kam rahe. Par jab claim aata hai, to policy reject ho sakti hai.
Lesson: Proposal form me hamesha sach batayein.
8. Sirf Aaj Nahi, Kal Ke Liye Sochiye
Health insurance ka matlab ye nahi ki aap bimaar ho. Iska matlab ye hai ki agar kal aap kamzor pad jaayein, to aapki family akeli na pade.
Aakhri Baat
Health insurance ek kharcha nahi, ek zimmedari hai.
Bimari ka dard to control me nahi hota,
lekin uske baad aane wali paisa ki pareshani
sahi planning se roki ja sakti hai.
Policy lene se pehle sochiye, samjhiye aur poochhiye, kyunki insurance baad me nahi, pehle ka decision hota hai.