5 Things You Oughtta Know About Health Insurance

Tejesh Kumar
09 Jun 4 minutes

5 Things You Oughtta Know About Health Insurance

In recent times, health has become the forerunner of people’s concerns with the pandemic affecting our lives and changing it forever, as a slow vengeful apocalypse brought to us by our self-destructing capacity. No, it isn’t that grim. We will thrive and do just fine but what really is important at this time is to understand is the importance of health and medical treatment. We cannot take medicine for granted anymore and health insurance is no longer a want but a necessity. So, if you are planning to get health insurance, go for it but you must keep a few things in mind.

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5 Things to Note Before You Choose Your Health Insurance 

Just as it is with any other insurance product, there are things one needs to keep in mind about health insurance in general:

1. Variety of health insurance: There are a plethora of types of health insurance available in the mediclaim market. While some cover just your hospital bills, there are comprehensive plans that cover you up to the age of 100. They are referred to as, senior-citizen health cover. Of course, the premium prices vary based on the plan you choose. There is health insurance that simply covers critical illness as well.

2. Exclusions in coverage: Generally, this is the last thing to talk about. However, considering that time is a precious commodity, it is wiser to start with the idea of what health insurance doesn’t cover to set your expectations from this product correctly.

  1. Pre-existing diseases are not treated as soon as you purchase of the policy
  2. A waiting period is applicable to pre-existing diseases.
  3. For a few conditions, the amount assured to pay may vary around 10%
  4. Treatment for the use of intoxicants (alcohol and drugs) are not included in most cases.
  5. A waiting period for maternity/newborn baby expenses is generally applicable, however, the waiting period time varies based on the providers.
  6. A waiting period for weight-loss medical procedures such as bariatric surgery may be applicable in some policies. 

3. Work and Individual Health Insurance:  It is essential to note that while people don’t need to pay for the group health insurance that the employers cover their employees under, it may not be enough if one loses their employment suddenly or has a higher cover amount requirement due to pre-existing diseases. Individual or personal health insurance is essential to be taken in these times to protect yourself financially against any medical issues. You can also buy family health insurance that covers all the members of your family and falls cheaper against individual coverage.

4. Premium costs: The better your lifestyle and the younger you are, the more pocket-friendly your premiums for a health policy will be. However, it is crucial to keep in mind that premium costs also rise with the features and benefits it covers you for. You can always negotiate your way to reduce the premium costs by choosing a plan with lesser features. For example, some health insurance covers you for air-transport to and from the hospital. If you find that unnecessary there are plans which cover you for road ambulance costs as a feature.

5.Read the policy wordings: You cannot be 100% informed about the product you choose unless you make the effort too. So, it is advisable to go through your policy wordings. You don’t want to be troubled at the time of the claim process.

In the end, it boils down to how detailed you want your policy to cover you. If you are looking for options in terms of the type of coverage in health, you can check our health insurance section on our app since we have everything from basic hospital insurance to comprehensive health covers to even critical illness insurance. All you need is to download our app or connect with us.

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  84. ยุคนี้สมัยนี้ไม่จำเป็นต้องไปโต๊ะบอลแล้วครับ เพราะท่านสามารถแทงบอล ทั้งบอลเดี่ยว บอลคู่ บอลสด บอลสเต็ปได้ง่ายๆ ผ่านโทรศัพท์มือถือที่ บาคาร่า เว็บแทงบอลออนไลน์ยักษ์ใหญ่ที่ได้รวมโต๊ะบอลไว้รอท่านแล้ว เว็บไซต์ของเราขึ้นชื่อเรื่องความมั่นคงด้านการเงิน

  85. อีกมากมาย อีกทั้งบนเว็บไซต์ของเรายังมีเกมคาสิโนออนไลน์ใหม่ นำเข้าจากต่างประเทศ ซึ่งถ้าหากทุกท่านอยากสัมผัสความสนุกเหล่านี้สามารถสมัครสมาชิกเพื่อเข้าร่วมเดิมพันบนเว็บไซต์ของเราได้ทันที

  86. สมัยที่ใครๆก็ปรารถนาความสบายสบาย บาคาร่าออนไลน์ก็เลยเป็นตัวเลือกที่โคตรดีสำหรับท่าน คาสิโนออนไลน์ มีบาคาร่าให้เลือกเล่นมากมายเราเป็นคาสิโนที่จ่ายจริง ทำเงินได้จริง สมัครง่าย ระบบฝากถอนอัตโนมัติแล้วพบกันขอรับ

  87. จำเป็นต้องรับว่าคาสิโนออนไลน์ เป็นวิธีการพนันที่อีกทั้งสะดวกและก็ปลอดภัย คาสิโนออนไลน์ ที่ได้รับการยินยอมรับมากมายก่ายกองจากสาวกพนันออนไลน์ว่าจ่ายจริงจ่ายเต็ม ทำเงินได้จริง ที่สุดของเว็บคาสิโนออนไลน์ควรต้อง แทงบอลออนไลน์

  88. โลกแปลงการใช้ชีวิตของคนก็ต้องแปลงไม่เว้นถึงแม้ว่าจะวงการพนันเนื่องจากว่าในขณะนี้การพนันถูกปรับปรุงให้เป็นระบบออนไลน์ บาคาร่า เว็บพนันออนไลน์ที่เป็นศูนย์รวมของเกมพนันออนไลน์ทั้งหมดรวมถึงบาคาร่าออนไลน์ที่หลายพอใจรวมทั้งพวกเรายังมีระบบระเบียบดูแลลูกค้าตลอด 24 ชั่วโมง

  89. สล็อตออนไลน์เกมคาสิโนยอดนิยมชั่วกับชั่วกัลป์ เล่นง่าย แจ็คพอตแตกไวจะต้องที่ เว็บการพนันออนไลน์อันดับ 1 จ่ายจริง จ่ายเต็ม มีเกมให้เลือกจำนวนมากทั้งยังพนันบอล บาคาร่า ยิงปลา มาเว็บไซต์นี้เว็บไซต์เดียวโคตรคุ้ม สร้างรายได้ง่ายๆจบที่เว็บไซต์ เว็บการพนันออนไลน์อันดับ 1 ได้เลยครับ

  90. แทงบอลออนไลน์ทุกวันนี้เรียกว่าไม่ใช่โอกาสแต่ว่ามันเป็นทางรอดแล้วครับผม ด้วยเหตุว่าคุณสามารถทำเงินสร้างรายได้กล้วยๆแค่เพียงเข้ามาที่ เว็บพนัน แล้วสมัครสมาชีกก็สามารถเข้าพนันได้ในทันทีทันใด เว็บไซต์ของเรามีทั้งยังบอลสด บอลสเต็ป บอลเดี่ยวเรียกได้ว่ามีให้แก่ท่านเลือกเล่นทุกต้นแบบเลย ระบบฝากถอนอัตโนมัติสบายเร็วไว

  91. แทงบอลเช่นไรให้ได้เงิน แทงบอลชนะยังไงผิดคดโกง คาสิโนออนไลน์ จ่ายจริงจ่ายไม่ยั้งระบบเข้าใจง่าย แค่เพียงคลิกสมัครก็ทำเงินได้อย่างไม่ยากเย็นกับคาสิโนออนไลน์ สบายสุดๆชีวิตชิวๆชีวิตคลูๆทำเงิน สร้างกำไรสบายๆต้องที่ แทงบอลออนไลน์

  92. เมื่อยุคสมัยเปลี่ยนไปการใช้ชีวิตของคนก็เปลี่ยนไป การเดิมพันของนักพนันก็เช่นเดียวกัน แทงบอลออนไลน์ ได้ยกคาสิโนในรูปแบบออนไลน์มาไว้บนเว็บไซต์อย่างสมบูรณ์แบบทั้งบาคาร่า สล็อต แทงบอล ยิงปลา หวย ไฮโล เรียกได้ว่ามีทุกอย่างไว้อย่างครบครันเลยครับ

  93. คาสิโนออนไลน์ เว็บแทงบอลออนไลน์ ยอดนิยมที่มีผ๔้ใช้งานมากที่สุดในเวลานี้ เพราะเราคืออันดับหนึ่งเรื่องการบริการ และ ความมั่นคงทางการเงิน แถมมี คาสิโนออนไลน์ไว้ให้บริการทั้ง สล็อต บาคาร่า และ เกมออนไลน์อีกมากมาย

  94. หากจะไปเล่นพนันต้องไปคาสิโน เรื่องนี้ใครๆก็รู้ แต่หากจะไปคาสิโนต้องเสียเงินเสียเวลาเดินทางไปยังต่างประเทศแต่ในปัจจุบันไม่จำเป็นต้องเดินทางไปยังคาสิโนแล้วเพราะ แทงบอลออนไลน์ ได้ยกคาสิโนมาไว้ในมือท่านแล้วในเว็บมีเกมให้เล่นมากมาย ทำเงินได้อย่างไม่มีลิมิต

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  96. เล่นบาคาร่าออนไลน์ได้ง่ายๆ เพียงเข้ามาที่ สล็อตออนไลน์ กดเข้าหน้าสมัครก็สารมารถทำเงินได้ทันที เราคือคาสิโนออนไลน์ที่ดีที่สุด ระบบใช้งานง่ายเป็นมีทีมงานคอยให้คำปรึกษาและแนะนำหากเกิดปัญหา บริการดีเป็นกันเอง จะเล่นพันออนไลน์ทั้งทีต้องสล็อตออนไลน์

  97. วิธีเล่นคาสิโนออนไลน์ให้ได้เงิน ไม่ได้มีตรรกะอะไรมาชี้วัดชัดเจนเหมือนการทำธุรกิจ ดังนั้นการวางขาดทุนจึงต้องใช้ดวงเข้ามาเกี่ยวข้อง ท่านอาจวางขาดทุนไว้ที่ 10-20 หรือประมาณ 1,000 – 2,000 บาท บวกกับการคาดการเรื่องดวงตกเอาไว้ด้วย ดังนั้นหากท่านมีเงินทุนสูงถึง 100,000 บาท กำไรที่ 10 ก็เท่ากับ 10,000 บาท หากท่านใช้เงินทุนจำนวนนี้บริหารระบบต่อสัปดาห์แสดงว่าท่านมีโอกาสหาเงินได้ 10,000 บาทต่อสัปดาห์ หรือ 40,000 ต่อเดือน

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