Health insurance is a boon to everyone who is looking to safeguard their savings from rapidly rising healthcare costs. However, the amount of coverage you want could cause your premiums to be high. Let’s understand how you can be sure to maximise the advantages of your health insurance plan by striking a good balance between your coverage and premium.
Moreover, we strive to make your insurance journey easy and quick. You can check out the health plans on our Bajaj Finserv app and compare & buy accordingly.
Here, we have mentioned a few pointers that you can consider while buying a health insurance plan.
Riders
Most health insurance plans provide additional benefits called riders that are priced individually. Some of the most commonly bought riders are critical illness cover, partial & total disabilities, room rent waiver, etc. You may choose only necessary riders based on your lifestyle, habits and specific health care requirements.
Get a plan that you can customise according to your needs and choose your riders wisely before finalising your policy.
Room Rent Covered
In your health insurance policy, you can choose your hospital room rent coverage too. You can select from the high-end AC private room to the economical budget rooms. Take a smart decision and choose a hospital room with a low per-day cost to keep your premium amount in check.
Co-Payment
When you decide to pay a part of your expenses during hospitalisation then you opt for Co-payment. When you opt for co-payment, it automatically brings down your premium since you offer to pay a part of your bills thereby reducing the coverage that you will need to take from the insurer. Co-payment reduces the financial liability of your insurer, and this benefit is passed on to the policyholder.
Healthy Lifestyle
Your healthy living habits can help you pay less premium. If you are a non-smoker and a non-drinker, you can also get a discount on your premium rate. A healthy lifestyle makes you pay less amount.
Online Purchase
An online purchase allows you to compare multiple health insurance policies across different insurers. You can choose & buy a policy digitally as per your health requirement from the comfort of your home. Make sure you purchase your health insurance policy online post comparing the various features & premium rates.
To know more about health insurance plans or if you want to buy one, you can visit our Bajaj Finserv app.
Anywhere, Anytime insurance with the Bajaj Finserv App
The Bajaj Finserv App is a high utility App that takes care of all your financial needs including insurance. On the app, you can explore benefit-rich health insurance plans from our trusted partners. Here you can view product features, compare prices and purchase a plan that is best suited to your needs. All this in a matter of minutes and from the comfort of your home. It truly is becoming the new way to buy insurance. If you still have not experienced the security of having a health insurance cover, log in to the Bajaj Finserv App and get started now.
