There is no certainty about what happens next in anyone’s life. There can be medical emergencies out of the blue, which may put financial stress on you. With the increasing healthcare cost throughout the world, it’s important to be prepared for any possible circumstances to deal with those in an effective manner. Buying a medical insurance plan from an international health insurance company can help you the most in such a scenario. Here are some tips to help you land the best deal when buying a health insurance policy.
How to Buy a Health Insurance Policy
Age
It is one of the most important factors for choosing a health insurance policy, as while buying one, you need to consider the age of all the family members who need to be insured. For example, the premium amount depends upon the age of the eldest family member in a family floater policy.
Premium and Coverage
Buying health insurance with the lowest premium sounds lucrative, but there are always two sides. The lowest premium is good only when it provides you with extensive coverage. You cannot close a deal at the cost of the insurance coverage. Therefore, always look for the reasons behind the considerably low premium.
Waiting Period
For the unversed, the waiting period refers to that the insurer will not accept any claim arising out of pre-existing disease or specific illnesses for that period. Depending on the plan and the insurer, this period can range between 24 to 48 months.
Pre and Post-Hospitalisation Coverage
The majority of health plans cover all the medical expenses during the hospitalisation. Make sure to buy a plan that covers all the pre and post-hospitalisation expenses and save expenses like doctor fees, ambulance charges, medical tests etc.
Maternity Expense Coverage
You should also pay attention to the maternity benefits the plan offers. Check whether your plan covers maternity expenses like delivery, newborn care expense, pre and post-natal etc.
Preventive Health Check-up Facility
With the increasing number of cardiovascular and other life-threatening diseases, it is important to check whether the cost of regular health check-ups is covered in the plan.
We at Armchair Insurance Brokers Ltd. provide the best health insurance for individuals and companies. Contact us today or check our website for more information if you’re looking for a reliable international health insurance provider in and around Kenya.