Skip to content Skip to sidebar Skip to footer

Just a tiny baby souls scheduled to be euthanized, Frightened 5 month old girl begs for her life

Choosing the right health cover is an important decision as it provides you a sense of security by offering immediate medical assistance in case of an emergency. However, there are many people who buy the policy as per their agents' advice and don't bother about their personal requirements. To them, it is advised to keep in mind the following 8 tips while choosing a health cover:

Tip 1: You must always purchase a health insurance policy no matter whether or not your company offers you a corporate health cover. There are times when you quit the job or your company decides to withdraw the benefits or provides a cover that is not fit for you, in these cases your personal health cover may benefit you. This becomes more important if anyone in your family is suffering from a chronic disease.

Tip 2: Always choose the right amount of sum insured. If you are living in a small city, your health cover should be around 3-5 lakhs whereas if you live in a metropolitan city, your health insurance cover should be no less than 5-10 lakhs. Don't purchase a new plan; instead port it to get maximum benefits out of it. When you port the plan, the benefits which have been already accumulated in your old plan get transferred in the new policy. Also, keep upgrading your health cover from time to time to take care of your medical inflation.

Tip 3: Buy a health insurance cover as early as possible, especially before you reach in your 40's. This is because, you are less likely to make claims in early stages of life and can later reap the benefits of no claim bonus and add up to the original coverage every claim-free year.

Tip 4: Always purchase a cover that offers lifetime renewability. This way you will have a health cover at the older age - the time when you have a major health problem and that protection is possible only if your policy offers lifetime renewability.

Tip 5: Buy a policy which gives you restore limit just in case you fully use your sum assured. This will act as a backup cover in an unforeseen critical illness which may be very expensive to manage. For example, Rs 3 lakh plan with Rs 3 lakh restore limit almost gives you Rs 6 lakh cover for critical illness at no extra cost.

Tip 6: Always purchase a health cover through a reputed agent who can help you with claims too in future. For this, you can seek help of online websites to select a plan or examine features but only buy the health cover through an agent or company which has the ability to help you with the claim or offer easy claim settlement procedures.

Tip 7: Always provide the right and true information in your application form. If you suffer from any disease or illness, don't forget to mention it in your application. You can seek the help of an agent who can assist you in getting the right plan which will cover the disease even after a waiting period. Presently in most policies all preexisting diseases get covered after 3 to 5 years.

Tip 8: Buy the policy with no or minimal sub-limits. Keep an eye out for plans with offers a cap on hospital room rates. This way save your money and give you a sense of relief too.

To know more about health insurance policy.

This baby girl hurt her foot and she needs some help. She is int he medical building and she's super sweet! Please SHARE for her life, she's SO precious and a FOSTER or ADOPTER would save her.

#A5239815 I'm an approximately 5 month old female Schnauzer Stand. I am not yet spayed. I have been at the Carson Animal Care Center since 11/27. I will be available on 12/2. You can visit me at my temporary home at CLINIC.

🔹 Schnauzer Stand
🔹 AGE:5 months
🔹 Female
🔹 ARRIVED:11/27

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Carson Shelter at 310-523-9566
216 W Victoria St. Gardena, CA 90248
Ask for information about animal #A5239815

STATUS : - read comment for update from crossposter
Mediclaim insurance is a health cover that offers hospitalization cover and pays the medical expenses incurred in respect of covered disease /surgery while the policyholder is admitted in the hospital. The cover also extends to pre and post- hospitalization for 30 days and 60 days respectively and is apt for individuals aged from 3 months to 80 years.

Here're the 5 things you need to consider before buying a mediclaim policy:

#1. Pre-existing diseases: Always inform your insurer about the pre-existing diseases if you have any before taking the policy, otherwise your claim will not be cleared when you really need it. Pre-existing diseases are only covered after 3-5 years of continuous policy renewals, and only if it is notified by you at the time of taking the policy. There are also some policies which cover pre-existing diseases soon after you purchase the policy, you can ask about such policies from your insurer.

#2. Yearly affair and minimum waiting period: Make sure the mediclaim policy you purchase is an annual policy. Your policy is reviewed and renewed every year, and at that time your claims (if you have made any in that particular year) will be checked and the premiums may rise significantly in case you had a claim in that year. This however, would depend on the value of claim made; oftentimes the premium may not escalate with a minimal first-time claim. Never switch from one insurance company to the other and from one policy to another policy, as each time you will have to wait for a specific time period, after which you can make a claim. In case you want to switch the policy or the company, it is recommended to do it after 2 years.

#3. The more the age, the higher the premiums: Remember, as you grow older, your mediclaim policy will demand higher premiums. So you must ask your insurer that at what age your policy premiums will reach its peak and on what clauses.

#4. Maximum age of renewal: Mediclaim insurance is not a life-long thing. Once you have reached a certain age or perhaps grow older, the policy will no longer exist for you. In simpler terms, the mediclaim policy that you took in your 20's or 30's will be of no use for you after you cross 65 or 70 years of age. However, there are a few policies which do provide cover after 75 years. Beyond that you will get a separate senior citizen medical insurance plan.

#5. Sub-limits & Daily limits: Prior to purchasing a mediclaim policy, read the fine print carefully and understand the sum assured that you can claim in a year. Also, determine various limits that come with the sum assured limit. These could be the total limit allowed on per day expenses in terms of doctor's fee, medications, and hospital room rent, etc.

There are many general insurance companies in India which offer mediclaim insurance at good prices. All you need to do is to visit their websites online and explore the comprehensive list of policies on offer. On top of that, you can also get insurance quotes online, with which you can easily choose the best medical insurance policy that seems most suitable to you.

If you are looking to buy a good mediclaim insurance at cheapest price.