Large numbers of people in India are in search of low cost health insurance. They do not want to invest much in such products. Whatever the reason may be, but they want to have the best coverage at minimum price. There is a large pool of people who do not focus on coverage limits, benefits or any other feature, except premium. The choice made only on this parameter turns out to be a wrong selection, as they are not able to offer cover to their healthcare needs.
This results in claim rejection and thus, their dissatisfaction that gives birth to frustration or distrust in health or medical insurance providers. Is it right?
Very less number of people explores the reason behind it. They try to understand the cause of their claim rejection. An extensive study done on it shows that the common reason behind the majority of claim rejection is an insured’s wrong choice. Hence, people should make the decision, only after knowing about their healthcare needs.
While choosing low cost health insurance, always take care that importance should be given to coverage limits as well, apart from premium. A plan should be bought, only after completely understanding its term and conditions. Quotes comparison and provider’s goodwill should also be taken into consideration as important parts of the selection procedure.
Therefore, one should focus at all the associated parameters: coverage limits, benefits, exclusions and facilities, besides premium. He/she would be able to get the best low cost health insurance or the health insurance at an affordable price. There are many providers that have taken this problem of customers into consideration and thus, have designed several such plans that can fulfil health needs of people of all income groups. Apollo Munich’s Easy Health is one such plan that can be purchased at the expense of just few rupees per day.
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