Owning a health insurance policy does not automatically mean every medical bill will be covered. Many difficulties arise because important details are overlooked while buying or renewing a policy.
Do not choose only because the premium is cheap. Compare room-rent restrictions, co-payments, waiting periods, exclusions, network hospitals and the sum insured. Also avoid selecting inadequate cover that may leave you paying a large part of an eligible expense.
Disclose medical information accurately and completely. Hiding a condition or previous treatment can lead to disputes or adverse claim decisions. Keep policy documents, medical records and claim-related communication organised.
Review your policy at renewal and update it when your family or health needs change. Understanding conditions before a medical emergency gives you more confidence when you need to use the cover.