Key Points to Follow while Buying Health Insurance

·        Medical history:

It is important not to rely on your parent’s knowledge of their medical history when it comes to opting for health insurance. Your parents might not be aware of certain ailments or medical conditions that they might be suffering from. Health insurance providers require you to provide information about existing health ailments that your parents have and are aware of. Hence, it is very important to be thorough with the information you provide regarding the medical history of your parents.

·         Choosing the plan:

There are several factors that go into choosing the right health insurance policy. It is important to compare between the various health insurance plans available in the market and consider factors such as cover, cost and exclusions before zeroing in on the final right plan.

·         Filling the proposal form:

Once you’ve chosen the right policy, you’ll need to fill in the proposal form for the policy. It is imperative that you provide correct and relevant information while filling in the form. Providing incorrect information will not only lead to complications but it might also lead to rejection of the application.

·         Medical check-up:

Once you’ve submitted the proposal form, a doctor on the panel of the insurance company will go through it will conduct an interview to verify the information on the form regarding the medical conditions mentioned on it. Next comes the medical check-up, the doctor will conduct about 11-13 tests depending on the health condition of the individual. Blood routine, lipid profile, sugar, urine routine, liver function test, kidney function test, serum creatinine, PSA (for men), sonography (for women) are some of the tests conducted.