Health insurance policies are rather a boon than a bane. However, one needs to make sure they are aware of a few factors before purchasing one. Read to know more.

An Individual Health Insurance Policy provides support to a single person, in their hour of need! A broad spectrum of services is provided to that person. Some of them are mentioned as follows:

• One doesn't have to bother about the nature of the treatment. Individual Health Insurance Policy covers all and ensures a high quality of treatment at any cost.
  
  
• No need to pay the bills, the policy will take care of it, right from handling the charges of hospitalization to the expense of medicines.
  
  

With that information in mind, while searching for a health insurance policy, be sure that the same meets the following requirements for best results:

Assistance for pre-existence illness

Most policies mature after 2 to 4 years. For pregnancies, myocardial infarction, diabetes, choose a policy that has a minimum waiting period to it.

The Coverage

Pre-hospitalization is the phase where the person receives treatment before visiting the hospital and post is the later, discharge stage from a hospital. Choose a policy that is effective enough to cover medicine and check up costs in the post and pre-phase respectively.

The Reward policy

Look for a policy that adds a certain percentage of interest on the sum offered. In case you don't use it, it adds up for the next year.

Read Also: How to Compare Individual Health Insurance Plans

Co-Pay Terms

The term states, if one has to pay a certain portion along with the patient during hospitalization? A policy which has, minimum clause for co-pay is excellent.

Compliant with a vast Network of Hospitals

A policy which is valid in most of the hospital is a smart option worth considering while choosing. Make sure that your policy meets your expectation while selecting.