Скачать или смотреть 7 Surprising Hidden Facts of Health Insurance | Health | Rahul Jain FinTech

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1. PED (Pre Existing Disease )
2. Sub-limits ( Capping's )
3. Co-Payments
4. Network Hospital
5. Renewal Terms
6. Exclusions/Waiting Periods
7. Policy Portability

1. PED (Pre Existing Disease):
Many health insurance policies have waiting periods for pre-existing diseases (PEDs). This means that if you have a pre-existing condition, the policy might not cover treatment for that condition immediately after you purchase the policy. It's essential to understand the waiting period clauses related to PEDs to avoid surprises when making claims.

2. Sub-limits (Capping's):
Sub-limits refer to the maximum amount that an insurance policy will pay for specific medical expenses, such as room rent, doctor's fees, or certain procedures. These limits can significantly affect how much you can claim for certain treatments, so it's crucial to be aware of them before purchasing a policy.

3. Co-Payments:
Co-payments require the policyholder to pay a percentage of the medical expenses, while the insurance company covers the rest. These percentages can vary depending on the policy and can apply to all claims or specific treatments. Co-payments can significantly affect out-of-pocket expenses, so understanding these terms is important.

4. Network Hospital:
Health insurance policies often have a network of hospitals where policyholders can receive cashless treatment. However, it's essential to check the list of network hospitals to ensure that there are facilities conveniently located near you. Going to a non-network hospital might mean you have to pay out of pocket and then claim reimbursement.

5. Renewal Terms:
Paying attention to renewal terms is crucial, as some policies might come with conditions that allow the insurer to refuse renewal or increase premiums substantially based on factors like age or claims history. Understanding the renewal terms ensures that you can maintain continuous coverage without unexpected disruptions.

6. Exclusions/Waiting Periods:
Apart from pre-existing conditions, health insurance policies often have exclusions for certain treatments, procedures, or medical conditions. Additionally, there may be waiting periods for specific coverage, meaning you can't claim benefits immediately after purchasing the policy. Being aware of these exclusions and waiting periods helps manage expectations and plan for potential expenses.

7. Policy Portability:
Policy portability allows policyholders to switch to another insurance provider without losing continuity benefits like waiting periods and no-claim bonuses. However, the process and conditions for porting policies can vary between insurers and policies, so it's essential to understand the portability terms before considering a switch.
Understanding these hidden facts can help policyholders make informed decisions when purchasing and managing their health insurance coverage.

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