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Understanding your Health Insurance policy

According to world Health Organization, a mere 3.9 percent of the GDP was spent on insurance in India in the year 2013.The out-of pocket expenses on healthcare stood at 86 percent in India as compared to 20.9 percent in the US and 53.9 percent in UK. It is important to have sufficient health insurance cover in order to meet medical emergencies. It is equally important to understand the provisions of any health insurance product that you may be holding, to avoid unpleasant surprises at the time of making a claim. Points to Remember Pre-Existing Illnesses Pre-existing illnesses are illnesses that existed before you bought your policy. Most insurers do not cover illnesses that existed within 4 years prior to the first policy. Only after 4 years of continuous insurance cove... Read more

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