Five Tips for Buying Medicare Extra Insurance – Group Health Insurance Mediclaim: हेल्थ इंश्योरेंस पॉलिसी खरीदने से पहले रखें इन बातों का ध्यान

Five Tips for Buying Medicare Extra Insurance – Group Health Insurance Mediclaim: हेल्थ इंश्योरेंस पॉलिसी खरीदने से पहले रखें इन बातों का ध्यान

Five Tips for Buying Medicare Extra Insurance – Group Health Insurance Mediclaim: हेल्थ इंश्योरेंस पॉलिसी खरीदने से पहले रखें इन बातों का ध्यान

The health insurance price tag is an important point of pain for young employers. The problem extends to hiring and retaining talent, too. In order to compete with larger employers, smaller employers are pressured to offer benefits such as health insurance, as profits take up a large portion of the bottom line. Two thirds of businesses (69%) said the problem was getting worse. They report that costs have increased over the past four years; one-third of the group reported an annual increase of 10 percent or more. Businesses with fewer employees have reported significant increases than large businesses. Employers cited prescription drugs and the lack of choice of health care systems as areas of pain.

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If you are over 65 and eligible for Medicare, you will need to make another important decision.

जॉब की शुरुआत में ली गई हेल्थ पॉलिसी (health policy) को आपको जीवन भर चलाना चाहिए, क्योंकि इससे आपको कम प्रीमियम पर व्यापक मेडिकल कवरेज (medical coverage) पाने में मदद मिलती है। विशेषज्ञों का कहना है कि स्वास्थ्य पर लोगों का खर्च लगातार बढ़ रहा है और अब मामूली बीमारियों के इलाज में भी लाखों रुपये खर्च हो रहे हैं।

You may want to choose to enroll in a Medicare Advantage (MA) program. About one-third of Medicare subscribers opt for the MA plan. In some states, such as California, they are readily available. However, in some states, there are a few MA options.

One of the most popular options is the Medicare Supplement program. These are sometimes called Medigap programs and we will use these two terms interchangeably. Approximately 15 million Americans currently have a Medigap program that offers complete freedom to see any medical professional who accepts Medicare.

· अपनी और अपने परिवार के इलाज के खर्च को कवर करने के लिए हेल्थ पॉलिसी (health insurance policy) लेना चाहिए।

· मेडिकल इंश्योरेंस लेना पैसे की बर्बादी (Money Wastage) नहीं है।

· आपके परिजन को जरूरत पड़ ही जाए तो हेल्थ प्लान आपकी बचत की रकम को बर्बाद होने से बचा सकता है।

We will focus on a few key facts about Medigap insurance that can help you get the best coverage for your best deals. In fact, shared information can help you save valuable money. That's always good.

But saving money today is not a reason to read the tips shared here. They can also save heartache in the future. That is because if you choose the Medigap program option now, it may be an unchangeable option that limits your future.

अलग से लें हेल्थ प्लान - अगर आप किसी कंपनी में जॉब करते हैं और उसकी वजह से आपको हेल्थ पॉलिसी (health policy) मिलती है तब भी आपको अलग से एक हेल्थ प्लान (health plan) खरीदना चाहिए जिससे कि नौकरी जाने की स्थिति में आप पर इलाज के खर्च की जिम्मेदारी ना आए। जॉब की शुरुआत में ली गई हेल्थ पॉलिसी (health policy) को आपको जीवन भर चलाना चाहिए, क्योंकि इससे आपको कम प्रीमियम पर व्यापक मेडिकल कवरेज (medical coverage) पाने में मदद मिलती है। विशेषज्ञों का कहना है कि स्वास्थ्य पर लोगों का खर्च लगातार बढ़ रहा है और अब मामूली बीमारियों के इलाज में भी लाखों रुपये खर्च हो रहे हैं। ऐसे में अगर आप समय पर हेल्थ इंश्योरेंस पॉलिसी (Mediclaim) खरीद लेते हैं तो आपको इलाज पर आने वाला खर्च अपनी जेब से नहीं उठाना पड़ेगा।

No. # 1: Don't overpay. Why Do You Pay Twice With The Same Program?

Medigap insurance rates vary widely. Prices are usually set by region and it is common to find one company charging twice as much as another.

According to the American Association for Medicare Supplement Insurance's 2020 Medicare Insurance Price Index, a 65-year-old Chicago woman can pay as little as $ 92 a month or $ 234 a month for similar benefits. The Price Index reports the lowest and highest prices on Medigap Plan G in some 100 cities across the country.

No single company always offers low cost. Also, there is no single company that is more expensive according to the Price Index. In fact, in some cases, the company that had the lowest cost for men did not have the lowest cost for women. Frustrated? No, it just means asking the 'right' questions.

No. # 2: Check for proper coverage

Choose a health plan that protects you from many medical problems, and offers benefits that include pre- and post-hospitalization, day care costs, transportation, illnesses that you may be at risk for due to your family health history, etc. When buying your family health insurance, check that the policy meets the needs of each member of your family. Consider your needs, compare plans for benefits and costs, and use a little caution to choose a plan that suits your needs.

सोच-समझ कर हेल्थ प्लान खरीदें -

हेल्थ प्लान (Health Plan) लेने से पहले उसकी शर्त को ध्यान से समझ लें। अगर खुद पढ़कर आपको समझ नहीं रहा है तो किसी जानकार की मदद से प्लान की शर्त को ध्यान से पढ़ें। ऑनलाइन साइट पर आप अलग-अलग कंपनियों के हेल्थ प्लान (Health Cover) की तुलना कर सकते हैं और इनकी डिटेल जानकारी ले सकते हैं। हेल्थ पॉलिसी (Health Cover) के हर क्लॉज को ध्यान से समझकर प्रीमियम चुकाएं। गंभीर बीमारियों के मामले में, पहले से मौजूद बीमारियों के मामले में और एक्सीडेंट आदि के मामले में कंपनी की देनदारी को समझने के बाद ही प्लान (Health Cover) के लिए प्रीमियम चुकायें।

No. # 3: Buy Rate Strength

Insurers can also increase prices. A goal that seems cheap today may be worth it tomorrow.

Some insurance companies are new to the Medigap business and may not have the real knowledge to back up their prices. Some may offer lower premiums as a way to earn more initial sales.

This sometimes results in an alarming increase in the coming years. For that reason, you will want to compare both current costs and price stability.

No. # 4: Choose a plan that can renew your life

When you buy a health plan, make sure you look at how many years the plan will cover you or whether it offers limited updates or not. Why? Because you will need a very healthy health plan in old age. Therefore, choose health programs that offer lifelong rehabilitation.

No. # 5: Discounts Can Add

Today, many Medigap insurance carriers offer discounts for spouses and / or households. Not all do. However, discounts can range from five to 14 percent. Saving can add up to hundreds of dollars a year. And since you could live another 10 or 20 years, you're talking about real money - so don't overdo it.

No. # 6: Hospital availability of network

Once you have a selected list of health plans, check that hospitals and paramedics are included in their hospital network. You always choose an insurance provider with a wide network of hospitals around the world. With IFFCO-Tokio, you can choose from 5,000+ network hospitals where you can get instant, efficient and cost-effective compensation!

No. # 7: Benefit From Savings and Points

Some insurance brokers will offer you a discount if you set up default payments. Some will give you discounts if you pay annually. Some will let you charge payments on the credit card. He sees where we are going.

Suppose your Medicare Supplement insurance premium is Rs 300. Starting at age 65 and paying for 20 years equivalent to Rs 72,000 in premium. If you are married, repeat that. A credit card that offers a 2 percent discount means you will save about Rs 3,000. If your credit card rewards aviation company, you will have earned some good credit.

No. # 8: Maximum application fee

Claim payment rate is the amount of claims paid by an insurance provider in addition to the total number of claims received. Always choose insurance with the highest claim rate. We at IFFCO-Tokio have paid a total of 8.61 lakh claims in FY2019 and have a claim rate of 92.65%. With us, you are in safe hands!

Use these tips to increase your benefits when buying health insurance. It's an investment you make to protect yourself from the financial burden of high health care costs - make sure you do.

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