Health Insurance Tips: In today’s world, health insurance is no longer an added benefit but a necessary protection for every family. The cost of medical treatment is constantly rising, and managing medical expenses without insurance can be financially challenging. Despite this, many people make some common mistakes while buying health insurance, the consequences of which are seen later at the time of claim. If these mistakes are avoided in time, the full benefits of health insurance can be availed.

Giving incorrect information will be detrimental

The biggest mistake is giving incorrect or incomplete information related to health. Many people hide information about pre-existing illnesses, treatments, or surgeries, thinking that it will reduce the premium. But doing so increases the risk of claim rejection. If the insurance company finds a discrepancy between the information provided at the time of taking the policy and the actual situation, the policy can also be canceled. Therefore, it is very important to disclose your medical history completely and honestly so that there are no problems with the claim when needed.

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Read the documents and terms and conditions carefully

Another common mistake is not reading the policy documents and terms and conditions properly. Many people buy a policy without understanding the terms and conditions, and at the time of the claim, they realize which illnesses or expenses are not covered. It is important to understand what is included and excluded in the policy, the waiting period, the conditions for pre-existing diseases, and the claim process. This not only reduces hassle but also saves time and money.

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Pay attention to the premium

The third major oversight is not paying attention to the premium and policy duration. Sometimes people buy a policy just by looking at the low premium, but later they find out that the coverage is very limited or the policy expires quickly. Before buying a policy, make sure that the coverage is sufficient according to your needs and that the policy duration is also appropriate. Choosing the right premium and better coverage makes the claim process easier.