Disclose Pre-existing Diseases: Always provide full information about any existing medical conditions.
Share Lifestyle Habits: Mention habits like smoking, drinking, etc., as they can affect your premium and claims.
Understand Inclusions & Exclusions: Carefully check what’s covered and what’s not in the policy.
Look for Specific Coverages: If needed, ensure the policy includes OPD (Outpatient Department), maternity, or any other specific cover.
Buy Adequate Coverage: Choose a sum insured that is sufficient for your medical needs.
Read the Fine Print: Go through the entire policy wording to avoid surprises during claim time.
Know the Waiting Periods: Understand how long you need to wait before certain coverages start.
Check Cashless Hospital Network: Make sure your preferred hospitals are on the insurer’s cashless network.
After Buying Insurance – Important Steps:
Verify Basic Details: Double-check that your name, phone number, email ID, address, and plan details are correctly mentioned in the policy document.
Pre-existing Conditions: Ensure all pre-existing diseases you disclosed are clearly included in the policy terms.
Ported Policy?: If you’ve ported your policy, confirm that the original inception date from your previous insurer is accurately reflected, which is essential for continuity benefits like waiting period waiver.