There are four important reasons why you must also buy personal mediclaim over group mediclaim, says Dhruv Sarin
Staying healthy can reduce your next premium. Through wellness programmes, policyholders can get discounts ranging from 8 per cent to 30 per cent.
Instead of getting confused by what agents tell you, check waiting period, claim-settlement ratio, price comparison etc to make the right choice.
Before you buy a cashless benefit plan at lower premiums, check if you can make full use of it. Most don't even exhaust the entire benefit.
Don't go for family floater plans; though convenient they cost you more.
Sanjay Kumar Singh draws up a mediclaim policy checklist.
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