When one buys health insurance, more often one ends up buying a policy because someone else bought it or the agent was very polite and promised everything is possible in the policy (which is never the case). A few tips need to be taken care of while buying a cashless policy.
1. Find out the requirements. This is based on age, health status, family history, or even the nature of work.
2. One should compare the insurance policies of different companies. The process is very simple. Comparisons help in locating the best plans and best rates.
3. Read the clauses. The important ones are co-payment, exclusions, and the waiting period. Especially for the eye, the waiting period is an important consideration. Try to buy a policy where there is no waiting period.
4. Is there a limit on the amount – called capping? Is the capping based on the type of lens or it is the amount of money that is capped? Always read carefully about the amount for each eye as invariably both eyes may need cataract surgery at varying times.
5. Look for riders – is there a room rent waiver rider, or critical illness rider?
Never buy a policy just because someone else bought it. Always spend that extra time reading the policy terms and conditions. Also, remember that if you find a better policy you can port to that policy. Always negotiate with the insurance so that you get what you need and are fully satisfied.
Dr. Ramesh Murthy at AXIS EYE CLINIC has more than 20 years of experience and has trained at the best eye institutes in India and abroad. His vast experience helps him in tackling the most complex cases with ease. He has a pleasant demeanour and is frank and honest in revealing to the patients beforehand what to expect and what the result will be. He is positive, friendly, and always has the determination to do the best for the patient.
Dr. Ramesh Murthy is a renowned eye surgeon and one of the best cataract surgeons in Pune, well-known for his excellent results. He is considered among the best eye specialists in Pune. He is also among the best oculoplasty and best squint surgeons in the city of Pune. He is available at Axis Eye Clinic, Pune which is among the best eye clinics in Pune. The staff at Axis Eye Clinic are well versed with Mediclaim and insurance procedures and are always there to help you. Axis Eye Clinic is empanelled for cashless eye surgery with all insurance companies and has facilities for Bajaj Finance.
Disclaimer: Axis eye clinic does not sell any insurance policies and does not have any financial interests in the insurance companies.
