{"id":1795,"date":"2016-11-30T03:13:30","date_gmt":"2016-11-29T21:43:30","guid":{"rendered":"http:\/\/blog.adityabirlahealth.com\/?p=1795"},"modified":"2024-05-10T15:19:30","modified_gmt":"2024-05-10T09:49:30","slug":"important-things-to-consider-when-choosing-health-insurance","status":"publish","type":"post","link":"https:\/\/www.adityabirlacapital.com\/healthinsurance\/active-together\/2016\/11\/30\/important-things-to-consider-when-choosing-health-insurance\/","title":{"rendered":"Things To Consider When Choosing Health Insurance: A Comprehensive Guide"},"content":{"rendered":"<p>It\u2019s important to have health insurance these days with the rising cost of medical expenses, prescription drugs etc. However, making the right choice when it comes to selecting a plan requires some measure of calculation and research. While employed individuals are most likely covered under company plans (that could include immediate family \u2013 wife + children), it may not include everything you need. There\u2019s also the fact that you may want to consider health care coverage for your parents and\/or siblings.<\/p>\n<p>It\u2019s not as complicated as it sometimes seems, but it is important to consider everything before making a choice. Here are a few things you ought to keep in mind when <a href=\"https:\/\/www.adityabirlacapital.com\/healthinsurance\/homepage\">opting for health insurance<\/a>:-<\/p>\n<h2><strong>Various Types of Health Insurance Plans<\/strong><\/h2>\n<ul>\n<li>Hospitalization or Indemnity Plans \u2013 that reimburse the cost of being admitted to a hospital and other medical costs.<\/li>\n<li><a href=\"https:\/\/www.adityabirlacapital.com\/healthinsurance\/family-floater\" target=\"_blank\" rel=\"noopener noreferrer\">Family floater health insurance plans<\/a> \u2013 that provide coverage for the whole family and usually works out to a slightly more affordable option.<\/li>\n<li><a href=\"https:\/\/www.adityabirlacapital.com\/healthinsurance\/activ-secure-hospital-cash\" target=\"_blank\" rel=\"noopener noreferrer\">Hospital Daily Cash Benefit Plans<\/a> \u2013 where a company would provide payment of a specific sum for each day you\u2019re in the hospital, irrespective of the actual fees.<\/li>\n<li><a href=\"https:\/\/www.adityabirlacapital.com\/healthinsurance\/activ-secure-critical-illness\" target=\"_blank\" rel=\"noopener noreferrer\">Critical Illness Plans<\/a> \u2013 pay a lump sum amount based on the diagnosis of a pre-defined critical illness like diabetes, cholesterol, high blood pressure and hypertension.<\/li>\n<li>Unit-Linked Health Plans (ULHPs) \u2013 are essentially a combination of both insurance and investments. The premium paid is divided up into that which is diverted to an investment for the future and health coverage.<\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-1964 lazyload\" title=\"Important things about health insurance\" data-src=\"https:\/\/www.adityabirlacapital.com\/healthinsurance\/active-together\/wp-content\/uploads\/2016\/11\/Health-Insurance-Imp-Things-1-1.jpg\" alt=\"Important things about health insurance\" width=\"700\" height=\"467\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 700px; --smush-placeholder-aspect-ratio: 700\/467;\" \/><\/p>\n<h2><strong>Coverage \u2013 What is and What May be Included<\/strong><\/h2>\n<ol>\n<li>At the top of the list should be hospital fees i.e. your stay and other medical expenses that would come up during your period at the facility.<\/li>\n<li>Doctor\u2019s visits for regular check-ups and\/or when you\u2019re ill.<\/li>\n<li>Lab services like those for X-Rays, MRIs and other scans or tests.<\/li>\n<li>The purchase of medicines and other prescription drugs.<\/li>\n<li>Maternity costs<\/li>\n<li>Mental health benefits<\/li>\n<li>Vision and dental costs<\/li>\n<li>Preventive care<\/li>\n<li>Chiropractic coverage<\/li>\n<\/ol>\n<p><img decoding=\"async\" class=\"alignleft wp-image-1806 lazyload\" title=\"Important Health Insurance things by Aditya Birla\" data-src=\"https:\/\/www.adityabirlacapital.com\/healthinsurance\/active-together\/wp-content\/uploads\/2016\/11\/Health-Insurance-Imp-Things-2.jpg\" alt=\"Important things to cover while choosing Health Insurance\" width=\"700\" height=\"467\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 700px; --smush-placeholder-aspect-ratio: 700\/467;\" \/><\/p>\n<p>Some of these may be considered cosmetic in nature and it\u2019s possible your company issued plan won\u2019t provide coverage for them. Thus, it pays to know what to expect from your plan. The above list should help you check off some requirements you may have against the plans you\u2019re reviewing.<\/p>\n<p><strong>Incentivised Health Features and Accompanying Benefits<br \/>\n<\/strong>Plenty of insurance companies have adapted to the growing fitness trend and are cashing in on it. That\u2019s not a bad thing for consumers at all, especially those already on the fitness and wellness bandwagon. These additional services, often with an additional price, provide incentives for staying healthy and give consumers extra benefits in the form of discounts on various goods and services just for completing health goals.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-1809 lazyload\" title=\"Health Insurance Features Benefits\" data-src=\"https:\/\/www.adityabirlacapital.com\/healthinsurance\/active-together\/wp-content\/uploads\/2016\/11\/Health-Insurance-Imp-Things-3.jpg\" alt=\"Health Features and Accompanying Benefits\" width=\"700\" height=\"467\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 700px; --smush-placeholder-aspect-ratio: 700\/467;\" \/><\/p>\n<p><strong>Ask Yourself These Questions before Choosing a Plan<\/strong><\/p>\n<ul>\n<li>When you\u2019re finally ready to get health insurance, here are some questions you should ask your potential provider and yourself before whipping out your checkbook.<\/li>\n<li>How much freedom do you have to choose your own health-care providers?<\/li>\n<li>Does the plan cover the health services that you need?<\/li>\n<li>Does the plan cover the health-care providers you&#8217;re currently using?<\/li>\n<li>Does the plan offer family, as well as individual, coverage?<\/li>\n<li>Does the plan cover pre-existing conditions? If so, is there a waiting period?<\/li>\n<li>Does the insurance company have a good reputation in the industry and a positive rating from a major ratings organization and your state&#8217;s department of insurance?<\/li>\n<\/ul>\n<p>So there you have it; these are just a few important aspects to choosing the right insurance plan for you or your family.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s important to have health insurance these days with the rising cost of medical expenses,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":51988,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1253,4243],"tags":[],"class_list":["post-1795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-tools","category-self-care"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Things to Consider When Choosing Health Insurance: A Comprehensive Guide<\/title>\n<meta name=\"description\" content=\"Make an informed decision when selecting health insurance. 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