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Buying health insurance for the first time? 5 things you must check
Дата публикации: 14-11-2025 07:12:09
Основное содержимое страницы с новостью.
Nov 14, 2025, 12:43:12 PM IST
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Check the insurer’s incurred-claim ratioA good ICR (around 70–90%) shows the insurer is settling claims reliably. Extremely high or low ICR can signal problems.
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Verify the claim-settlement ratioCSR reveals how many claims the insurer actually pays. Prefer insurers that settle most claims quickly, ideally within 90 days.
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Watch room-rent limits and waiting periodsRoom-rent caps can reduce how much of your hospital bill gets covered. Waiting periods for pre-existing diseases may delay full coverage.
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Avoid high co-payments and deductiblesCo-pay clauses make you bear a fixed percentage of each claim. Deductibles require you to pay a portion first before the insurer pays.
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Check network hospitals and key exclusionsCashless claims only work at network hospitals, so check availability. Review exclusions closely to avoid surprises during claims.
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Классификация: . Схожих патентов: 0. Схожих новостей: 10. Тональность: 0. Информативность: 18.33. Источник: economictimes.indiatimes.com.