New Delhi. It is necessary for every person to have a health insurance policy. Health insurance covers the medical expenses of the policyholder through a policy. Any customer pays the premium to the insurance company after opting for coverage. At the time of claim, the insured is reimbursed for the expenses incurred for the treatment. Whenever you take a health insurance policy, think a little carefully, do not get caught in any myths.
There are some common myths about health insurance and facts, know these
Group Health Insurance Plan is sufficient
Group plans offered by companies are beneficial, but coverage may not extend to older parents and dependents. The policy becomes invalid as soon as the policyholder leaves the job. Therefore, group health insurance should only be taken as an add-on to individual health insurance.
Health insurance plans do not cover pregnancy
Many insurance companies have started coverage for pregnancies, with some conditions. These include a specific waiting period. It is not, so avoid such myths.
You can buy a health insurance plan just before surgery
Health insurance policies include a clause known as a waiting period. According to this clause, pre-existing diseases are covered 2–4 years (depending on the plan) after the plan purchased. No claims can be accepted during this period.
Smokers do not get health insurance plan
Smokers and alcoholics are at high health risk, this does not mean that they are ineligible for health insurance. They can also buy health insurance with some companies by spending a little more money and paying strict health checkups.
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