Getting health insurance is not enough – you need to get a health insurance plan that works for you. For example, if a person looking to cover his entire family under a single health insurance plan goes and buys an individual cancer care plan, no one will benefit from it. Big health insurance companies in India such as Star Health Insurance have many health plans on offer. It is not unusual to find people getting overwhelmed looking at the list and trying to figure out which plan to get! Thankfully, there are some simple ways in which you can compare Star Health Insurance Plans and choose the right plan for yourself. Read on to know more.
Simple guidelines to locate the best Star Health Insurance policy
Here some simple guidelines to help you to choose the best Star Health Insurance policy among all the available policies:
- See what you need –
Start off by understanding what you need from your health insurance cover. To do that, first, see how many members in your family need health insurance. If it’s just you, your spouse and your child, a small cover may be enough. If you need to include your parents, you may have to look for a more comprehensive plan. You may also look at the Star Health Insurance senior health plans for them. If you ride your motorbike to work every day, you may benefit from a personal accident plan. To see what you need and then find what’s best suited for you. - Identify the category needed –
Star Health Insurance has Mediclaim plans in various categories. These include individual plans, family floater plans, critical illness plans, maternity plans, senior citizen plans, etc. Not every plan in every category will be useful for you. Therefore, you need to Compare Health Insurance plans to identify the category under which your ideal policy is listed. Once you narrow down your search, it will become easier for you to locate your ideal plan. - Read the policy wordings –
Never be in a hurry when buying health insurance. Take your time and read through the policy wording. Also read through the clauses and exclusions. This will give you a realistic idea about what the particular plan actually offers. After reading, you may find that the specific coverage you need is not even offered. In that case, you will have to look for another policy. If you rush through the process, you will end up with a faulty policy on which maybe you won’t even be able to make a claim later. - Look at the price –
The idea Star Health Insurance won’t just offer you the best protection, it will also be affordable for you. To ensure this happens, make a budget and see exactly how much you can spare. The different health insurance plans are priced differently so you need to get plans that are pocket-friendly. Comparing the various options also helps to locate the cheapest option. However, do not base your decision solely on the price, as a very cheap cover may not even prove to be helpful for you. Find the right balance and get the most comprehensive plan at the best rate. - See what you already have –
You may already have other health insurance covers with you. For example, if you are an unmarried woman, you may be included in your father’s comprehensive family health plan. If you are an employed person, you may have a group health cover. If your parents were government employees, they may have a life-long CGHS cover. Make a proper analysis of what you already have. Then, buy a good policy that can act as a backup and fill in the gaps that your existing health covers have. - Look for convenience –
Look for plans that are easy to buy and easy to service. The modern-day health plans from large insurers like Star Health Insurance are digitally available. You can buy them with the click of a few buttons. You can also pay regular premiums with equal ease. Thus, you should always try to buy an online Star Health Insurance policy. Surprisingly, you will also end up paying less, as the online plans are substantially cheaper than the regular, offline plans. You also save on brokerage. So definitely look to buy health insurance online as you will get many benefits.
Follow these guidelines and the task of finding the best Star Health Insurance policy will become a lot simpler.
Conclusion
Unless you have an insurance plan that works to your benefit, you will get very little value out of it. And to ensure this happens, you need to understand the health plans available, scan through their features and then weigh them against your own needs. There are many Star Health Insurance plans available so it won’t be difficult to find your ideal cover.
